BlastPoint's Credit Union Scorecard

4FRONT

Charter #61365 · MI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 19 in MI

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4FRONT has 3 strengths but faces 16 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

+ ROA 0.02% above tier average
+ Net Interest Margin 1.33% above tier average
+ Share Certificate Concentration (%): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 23.8% in tier
- Credit Quality Pressure: Bottom 24.0% in tier
- Efficiency Drag: Bottom 25.2% in tier
- Stagnation Risk: Bottom 25.9% in tier
- Accelerating Exit Risk: Bottom 27.3% in tier
- Membership Headwinds: Bottom 28.0% in tier
- Indirect Auto Dependency: Bottom 28.7% in tier
- Deposit Outflow: Bottom 69.6% in tier
- Efficiency ratio 6.45% above tier (higher cost structure)
- Delinquency rate 0.26% above tier average
- Average Member Relationship (AMR): Bottom 2.0% in tier
- Total Assets: Bottom 3.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- Deposit Growth Rate: Bottom 4.9% in tier
- Total Deposits: Bottom 5.9% in tier
- Asset Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	103,685 -0.9% YoY-1.9% QoQ	+5.0K	98,678 -1.9% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	61%
Assets	$1.0B -2.8% YoY+0.6% QoQ	$-688.9M	$1.7B +0.5% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	Bottom 2.6% in tier
Loans	$745.8M -0.5% YoY+2.0% QoQ	$-487.3M	$1.2B +0.5% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	Bottom 9.9% in tier
Deposits	$895.5M -3.4% YoY+0.6% QoQ	$-558.8M	$1.5B +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	Bottom 5.6% 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	0.7% +153.0% YoY+40.6% QoQ	+0.0%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	57%
NIM	4.6% +13.2% YoY+2.4% QoQ	+1.3%	3.3% +9.3% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 2.6% in tier
Efficiency Ratio	80.4% -4.8% YoY-3.5% QoQ	+6.5%	74.0% -10.9% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	75%
Delinquency Rate	1.1% +2.6% YoY+38.4% QoQ	+0.3	0.8% +6.1% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	79%
Loan To Share	83.3% +3.1% YoY+1.4% QoQ	-1.9%	85.2% -0.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	37%
AMR	$15,830 -1.2% YoY+3.2% QoQ	$-13K	$29,172 +2.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Bottom 1.6% in tier
CD Concentration	16.0% -19.8% YoY-4.1% QoQ	-12.9%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	Bottom 7.9% in tier
Indirect Auto %	23.6% -21.5% YoY-6.5% QoQ	+4.9%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	66%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Shrinking Wallet Share

decline

#73 of 83 • Bottom 23.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.17%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#185 of 217 • Bottom 24.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

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

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Efficiency Drag

risk

#84 of 96 • Bottom 25.2% in tier

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

Why This Signature

Efficiency Ratio: 80.42%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.44% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -0.95%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank worsening

Stagnation Risk

risk

#63 of 85 • Bottom 25.9% 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): -0.95%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.47%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.09%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#13 of 13 • Bottom 27.3% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.95%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -1.17%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

13 of 380 Mid-Market CUs have this signature | 73 nationally

↓ Shrinking -8 CUs YoY | New qualifier

Membership Headwinds

decline

#68 of 85 • Bottom 28.0% in tier

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

Why This Signature

Member Growth (YoY): -0.95%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#178 of 202 • Bottom 28.7% in tier

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

Why This Signature

Asset Growth (YoY): -2.80%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 23.62%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.95%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Deposit Outflow

decline

#17 of 24 • Bottom 69.6% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.43%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.95%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 CUs YoY

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 304 peers in tier

Top Strengths (2 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.60%

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.04%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Top Weaknesses (13 metrics)

299

Average Member Relationship (AMR)

engagement

Value: $15,830

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

296

Total Assets

balance_sheet

Value: $1.03B

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

294

Loan-to-Member Ratio (LMR)

engagement

Value: $7,193

Peer Avg: -

#294 of 304 Bottom 3.6% in 1B-3B tier

290

Deposit Growth Rate

growth

Value: -3.43%

Peer Avg: -

#290 of 304 Bottom 4.9% in 1B-3B tier

287

Total Deposits

balance_sheet

Value: $895.54M

Peer Avg: -

#287 of 304 Bottom 5.9% in 1B-3B tier

276

Asset Growth Rate

growth

Value: -2.80%

Peer Avg: -

#276 of 304 Bottom 9.5% in 1B-3B tier

274

Total Loans

balance_sheet

Value: $745.81M

Peer Avg: -

#274 of 304 Bottom 10.2% in 1B-3B tier

246

AMR Growth Rate

growth

Value: -1.17%

Peer Avg: -

#246 of 304 Bottom 19.4% in 1B-3B tier

242

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier

240

Member Growth Rate

growth

Value: -0.95%

Peer Avg: -

#240 of 304 Bottom 21.4% in 1B-3B tier