BlastPoint's Credit Union Scorecard

ISABELLA COMMUNITY

Charter #61318 · MI

1077 CUs in 100M-500M nationally 67 in MI

ISABELLA COMMUNITY has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 90.3% in tier
+ ROA 0.37% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.5% in tier
- Stagnation Risk: Bottom 20.2% in tier
- Institutional Decline: Bottom 30.4% in tier
- Membership Headwinds: Bottom 33.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	13,512 -0.5% YoY+0.3% QoQ	-2.1K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	50%
Assets	$213.2M +4.5% YoY+0.1% QoQ	$-18.1M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	54%
Loans	$115.4M -2.0% YoY-1.5% QoQ	$-32.4M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	45%
Deposits	$191.4M +3.1% YoY-0.4% QoQ	$-8.9M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +171.6% YoY-2.1% QoQ	+0.4%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	76%
NIM	3.3% +24.8% YoY+3.1% QoQ	-0.3%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	31%
Efficiency Ratio	74.1% -14.0% YoY+0.7% QoQ	-3.2%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	38%
Delinquency Rate	0.7% +93.8% YoY-21.8% QoQ	-0.2	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	50%
Loan To Share	60.3% -4.9% YoY-1.1% QoQ	-12.4%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	22%
AMR	$22,708 +1.6% YoY-1.1% QoQ	$-2K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	52%
CD Concentration	21.1% -1.4% YoY+5.9% QoQ	-3.3%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	8.5% -2.2% YoY+1.0% QoQ	-5.5%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#307 of 340 • Top 90.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.73% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#235 of 736 • Bottom 9.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#334 of 550 • Bottom 20.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.51%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.99%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.68%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#240 of 256 • Bottom 30.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $213.24M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -0.51%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.99%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#549 of 550 • Bottom 33.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.51%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

190

Fee Income Per Member

profitability

Value: $233.92

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

260

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (2 metrics)

850

Net Worth Ratio

risk

Value: 9.56%

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

840

Loan-to-Share Ratio

balance_sheet

Value: 60.29%

Peer Avg: -

#840 of 1077 Bottom 22.1% in 100M-500M tier