BlastPoint's Credit Union Scorecard

4FRONT

Charter #61365 · MI

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 21 in MI

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4FRONT has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.14% above tier average
+ Share Certificate Concentration (%): Top 8.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.1% in tier
- Efficiency Drag: Bottom 4.7% in tier
- Stagnation Risk: Bottom 77.1% in tier
- Membership Headwinds: Bottom 77.1% in tier
- Indirect Auto Dependency: Bottom 92.6% in tier
- Institutional Decline: Bottom 98.2% in tier
- ROA 0.38% below tier average
- Efficiency ratio 14.67% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	104,651 -0.6% YoY+0.4% QoQ	+8.6K	96,048 -2.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	66%
Assets	$1.0B -1.4% YoY-1.8% QoQ	$-700.2M	$1.7B +0.4% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Bottom 2.3% in tier
Loans	$726.8M -0.7% YoY+0.0% QoQ	$-486.9M	$1.2B +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Bottom 9.8% in tier
Deposits	$919.6M +1.7% YoY+3.0% QoQ	$-546.0M	$1.5B +0.5% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Bottom 7.8% in tier

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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	0.3% +26.8% YoY-55.2% QoQ	-0.4%	0.7% +27.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	19%
NIM	4.5% +3.7% YoY-2.6% QoQ	+1.1%	3.4% +6.2% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 4.6% in tier
Efficiency Ratio	89.3% +1.2% YoY+10.9% QoQ	+14.7%	74.6% -3.0% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Bottom 4.9% in tier
Delinquency Rate	1.6% +141.3% YoY-22.9% QoQ	+0.9	0.8% +6.9% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	Bottom 5.6% in tier
Loan To Share	79.0% -2.3% YoY-2.9% QoQ	-4.1%	83.2% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	31%
AMR	$15,732 +1.3% YoY+1.2% QoQ	$-14K	$29,652 +2.3% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Bottom 1.0% in tier
CD Concentration	17.1% -10.4% YoY+3.9% QoQ	-11.7%	28.8%	18.6%	19.8%	Bottom 8.4% in tier
Indirect Auto %	19.1% -27.3% YoY-15.6% QoQ	+1.0%	18.1%	11.7%	7.7%	58%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#3 of 100 • Bottom 4.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.30%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.64%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Credit Quality Pressure

risk

#8 of 225 • Bottom 2.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.95% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Stagnation Risk

risk

#48 of 91 • Bottom 77.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.67%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.62%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#185 of 198 • Bottom 92.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.38%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 19.07%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.64%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Membership Headwinds

decline

#88 of 91 • Bottom 77.1% in tier

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

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Institutional Decline

decline

#31 of 31 • Bottom 98.2% in tier

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

Why This Signature

Total Assets: $1.02B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -0.64%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.67%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | 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 306 peers in tier

Top Strengths (2 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.50%

Peer Median: 3.37%

#14 of 306 Top 4.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.14%

Peer Median: 27.93%

#28 of 306 Top 8.8% in 1B-3B tier

Top Weaknesses (11 metrics)

303

Average Member Relationship (AMR)

engagement

Value: $15,732

Peer Median: $28,178

#303 of 306 Bottom 1.3% in 1B-3B tier

299

Total Assets

balance_sheet

Value: $1.02B

Peer Median: $1.51B

#299 of 306 Bottom 2.6% in 1B-3B tier

298

Loan-to-Member Ratio (LMR)

engagement

Value: $6,945

Peer Median: $12,733

#298 of 306 Bottom 2.9% in 1B-3B tier

292

Efficiency Ratio

profitability

Value: 89.30%

Peer Median: 75.16%

#292 of 306 Bottom 4.9% in 1B-3B tier

290

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Median: 0.63%

#290 of 306 Bottom 5.6% in 1B-3B tier

282

Total Deposits

balance_sheet

Value: $919.56M

Peer Median: $1.31B

#282 of 306 Bottom 8.2% in 1B-3B tier

281

Asset Growth Rate

growth

Value: -1.38%

Peer Median: 4.82%

#281 of 306 Bottom 8.5% in 1B-3B tier

276

Total Loans

balance_sheet

Value: $726.81M

Peer Median: $1.11B

#276 of 306 Bottom 10.1% in 1B-3B tier

260

Loan Growth Rate

growth

Value: -0.67%

Peer Median: 5.67%

#260 of 306 Bottom 15.4% in 1B-3B tier

248

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: 0.66%

#248 of 306 Bottom 19.3% in 1B-3B tier