BlastPoint's Credit Union Scorecard

UNIVERSITY OF MICHIGAN

Charter #61552 · MI

Mid-Market 1B-3B

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

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UNIVERSITY OF MICHIGAN has 6 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

+ Organic Growth Engine: Top 83.3% in tier
+ Emerging Performer: Top 92.1% in tier
+ Net Interest Margin 0.74% above tier average
+ Share Certificate Concentration (%): Top 2.0% in tier
+ Members Per Employee (MPE): Top 5.0% in tier
+ Loan-to-Share Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 17.6% in tier
- Cost Spiral: Bottom 37.5% in tier
- Indirect Auto Dependency: Bottom 82.6% in tier
- ROA 0.13% below tier average
- Efficiency ratio 5.06% above tier (higher cost structure)
- Delinquency rate 0.01% above tier average
- Average Member Relationship (AMR): Bottom 3.3% in tier
- Fee Income Per Member: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	122,134 +2.6% YoY+0.4% QoQ	+24.7K	97,431 -2.4% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	75%
Assets	$1.4B +4.2% YoY+2.1% QoQ	$-312.5M	$1.7B +0.9% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	38%
Loans	$1.1B +7.6% YoY-1.2% QoQ	$-115.6M	$1.2B +0.5% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	50%
Deposits	$1.1B +4.7% YoY+2.5% QoQ	$-369.4M	$1.5B +0.9% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	28%

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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	0.6% -65.4% YoY+5.7% QoQ	-0.1%	0.7% +20.9% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	38%
NIM	4.0% +7.4% YoY+1.0% QoQ	+0.7%	3.3% +9.2% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 10.3% in tier
Efficiency Ratio	79.1% +21.5% YoY-0.5% QoQ	+5.1%	74.1% -9.5% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	0.9% -9.2% YoY+12.8% QoQ	+0.0	0.9% +6.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	63%
Loan To Share	102.6% +2.8% YoY-3.6% QoQ	+17.9%	84.8% -0.8% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Top 8.6% in tier
AMR	$18,084 +3.5% YoY+0.3% QoQ	$-11K	$29,428 +2.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	Bottom 3.0% in tier
CD Concentration	10.4% +18.3% YoY+0.6% QoQ	-18.6%	29.0%	18.6%	19.8%	Bottom 2.1% in tier
Indirect Auto %	21.9% -5.4% YoY+1.7% QoQ	+3.6%	18.3%	11.8%	7.8%	63%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#206 of 247 • Top 83.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.55%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.55%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 21.88%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth

#71 of 77 • Top 92.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.55%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 2.55%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Concerns (3)

Liquidity Strain

risk

#30 of 166 • Bottom 17.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.65%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.57%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Cost Spiral

risk

#4 of 9 • Bottom 37.5% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 13.99% points

(Tier: -6.71% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 56.44%

(Tier: 51.94%, National: 63.66%)

worse than tier avg

9 of 378 Mid-Market CUs have this signature | 58 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#162 of 196 • Bottom 82.6% in tier

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

Why This Signature

Asset Growth (YoY): 4.25%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 21.88%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.55%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 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 302 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 10.40%

Peer Median: -

#7 of 302 Top 2.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 500.549

Peer Median: -

#16 of 302 Top 5.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.65%

Peer Median: -

#26 of 302 Top 8.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.02%

Peer Median: -

#31 of 302 Top 9.9% in 1B-3B tier

Total Members

engagement

Value: 122,134

Peer Median: -

#76 of 302 Top 24.8% in 1B-3B tier

Top Weaknesses (3 metrics)

293

Average Member Relationship (AMR)

engagement

Value: $18,084

Peer Median: -

#293 of 302 Bottom 3.3% in 1B-3B tier

274

Fee Income Per Member

profitability

Value: $126.61

Peer Median: -

#274 of 302 Bottom 9.6% in 1B-3B tier

271

Loan-to-Member Ratio (LMR)

engagement

Value: $9,160

Peer Median: -

#271 of 302 Bottom 10.6% in 1B-3B tier