BlastPoint's Credit Union Scorecard

UNIVERSITY OF MICHIGAN

Charter #61552 · MI

Mid-Market 1B-3B

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

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UNIVERSITY OF MICHIGAN has 6 strengths but faces 9 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 26.0% in tier
+ Emerging Performer: Top 85.9% in tier
+ Net Interest Margin 0.71% above tier average
+ Share Certificate Concentration (%): Top 2.0% in tier
+ Loan-to-Share Ratio: Top 3.6% in tier
+ Members Per Employee (MPE): Top 4.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.0% in tier
- Cost Spiral: Bottom 7.1% in tier
- Credit Risk Growth: Bottom 19.6% in tier
- Credit Quality Pressure: Bottom 20.7% in tier
- Indirect Auto Dependency: Bottom 26.5% in tier
- ROA 0.18% below tier average
- Efficiency ratio 5.52% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 3.9% in tier
- Fee Income Per Member: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	121,675 +3.1% YoY+1.5% QoQ	+23.0K	98,678 -1.9% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	73%
Assets	$1.4B +3.8% YoY-1.0% QoQ	$-337.6M	$1.7B +0.5% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	36%
Loans	$1.1B +7.6% YoY+1.4% QoQ	$-101.1M	$1.2B +0.5% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	52%
Deposits	$1.1B +3.9% YoY-1.0% QoQ	$-391.5M	$1.5B +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	27%

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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	0.5% -73.3% YoY+0.4% QoQ	-0.2%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	37%
NIM	4.0% +8.3% YoY+2.1% QoQ	+0.7%	3.3% +9.3% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 11.8% in tier
Efficiency Ratio	79.5% +31.4% YoY+0.4% QoQ	+5.5%	74.0% -10.9% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	70%
Delinquency Rate	0.8% +7.3% YoY+6.9% QoQ	-0.0	0.8% +6.1% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	61%
Loan To Share	106.5% +3.5% YoY+2.5% QoQ	+21.3%	85.2% -0.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	Top 3.9% in tier
AMR	$18,038 +2.6% YoY-1.3% QoQ	$-11K	$29,172 +2.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Bottom 3.6% in tier
CD Concentration	10.3% +23.0% YoY+6.3% QoQ	-18.6%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	Bottom 2.1% in tier
Indirect Auto %	21.5% -13.9% YoY-3.2% QoQ	+2.7%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	61%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#189 of 246 • Top 26.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.08%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.52%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 21.51%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Emerging Performer

growth

#62 of 72 • Top 85.9% 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: 0.52%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 3.08%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Liquidity Strain

risk

#17 of 183 • Bottom 3.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 106.51%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.57%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Cost Spiral

risk

#5 of 14 • Bottom 7.1% 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: 19.02% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 52.89%

(Tier: 51.53%, National: 63.68%)

worse than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Credit Risk Growth

risk

#110 of 161 • Bottom 19.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.57%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

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

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#159 of 217 • Bottom 20.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% 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 | Rank improving

Indirect Auto Dependency

risk

#164 of 202 • Bottom 26.5% in tier

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

Why This Signature

Asset Growth (YoY): 3.79%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 21.51%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.08%

(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

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 (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 10.33%

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 106.51%

Peer Avg: -

#12 of 304 Top 3.6% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 513.397

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.97%

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Top Weaknesses (3 metrics)

293

Average Member Relationship (AMR)

engagement

Value: $18,038

Peer Avg: -

#293 of 304 Bottom 3.9% in 1B-3B tier

277

Fee Income Per Member

profitability

Value: $125.85

Peer Avg: -

#277 of 304 Bottom 9.2% in 1B-3B tier

265

Loan-to-Member Ratio (LMR)

engagement

Value: $9,303

Peer Avg: -

#265 of 304 Bottom 13.2% in 1B-3B tier