BlastPoint's Credit Union Scorecard

ISABELLA COMMUNITY

Charter #61318 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

ISABELLA COMMUNITY has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.39% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	13,488 -0.4% YoY-0.2% QoQ	-1.9K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	50%
Assets	$220.6M +6.5% YoY+3.4% QoQ	$-11.3M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	57%
Loans	$118.0M +0.1% YoY+2.2% QoQ	$-29.4M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	46%
Deposits	$198.1M +4.9% YoY+3.5% QoQ	$-2.8M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	58%

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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% +89.1% YoY-0.2% QoQ	+0.4%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	78%
NIM	3.3% +19.1% YoY-0.5% QoQ	-0.4%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	30%
Efficiency Ratio	73.9% -11.4% YoY-0.3% QoQ	-3.2%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	36%
Delinquency Rate	0.8% +15.9% YoY+18.7% QoQ	-0.1	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	56%
Loan To Share	59.6% -4.6% YoY-1.2% QoQ	-12.7%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	22%
AMR	$23,429 +3.5% YoY+3.2% QoQ	$-1K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	54%
CD Concentration	20.5% -2.8% YoY-3.2% QoQ	-4.0%	24.4%	18.6%	19.8%	50%
Indirect Auto %	8.0% -3.7% YoY-5.6% QoQ	-5.8%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Credit Quality Pressure

risk

#494 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (3 metrics)

166

Fee Income Per Member

profitability

Value: $242.97

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

217

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

241

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (2 metrics)

851

Net Worth Ratio

risk

Value: 9.51%

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier

835

Loan-to-Share Ratio

balance_sheet

Value: 59.56%

Peer Median: -

#835 of 1069 Bottom 22.0% in 100M-500M tier