BlastPoint's Credit Union Scorecard

UNIVERSITY OF MICHIGAN

Charter #61552 · MI

Mid-Market 1B-3B

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

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UNIVERSITY OF MICHIGAN has 3 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 0.66% above tier average
+ Share Certificate Concentration (%): Top 2.6% in tier
+ Members Per Employee (MPE): Top 5.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 12.3% in tier
- Liquidity Strain: Bottom 12.3% in tier
- Credit Risk Growth: Bottom 35.8% in tier
- Credit Quality Pressure: Bottom 53.9% in tier
- Indirect Auto Dependency: Bottom 54.2% in tier
- ROA 0.32% below tier average
- Efficiency ratio 10.18% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	122,745 +2.0% YoY+0.5% QoQ	+26.7K	96,048 -2.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	76%
Assets	$1.4B +4.5% YoY+2.4% QoQ	$-274.5M	$1.7B +0.4% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	41%
Loans	$1.1B +7.7% YoY+0.2% QoQ	$-93.0M	$1.2B +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	52%
Deposits	$1.1B +5.1% YoY+3.2% QoQ	$-341.2M	$1.5B +0.5% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	31%

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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	0.4% -16.7% YoY-28.0% QoQ	-0.3%	0.7% +27.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	22%
NIM	4.0% +4.6% YoY-0.2% QoQ	+0.7%	3.4% +6.2% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 11.4% in tier
Efficiency Ratio	84.8% +7.2% YoY+7.2% QoQ	+10.2%	74.6% -3.0% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Bottom 13.4% in tier
Delinquency Rate	0.7% +2.3% YoY-18.6% QoQ	+0.0	0.8% +6.9% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	62%
Loan To Share	99.7% +2.5% YoY-2.9% QoQ	+16.5%	83.2% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Top 10.8% in tier
AMR	$18,291 +4.4% YoY+1.1% QoQ	$-11K	$29,652 +2.3% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Bottom 2.9% in tier
CD Concentration	10.6% +17.4% YoY+2.0% QoQ	-18.2%	28.8%	18.6%	19.8%	Bottom 2.6% in tier
Indirect Auto %	20.4% -5.2% YoY-6.8% QoQ	+2.3%	18.1%	11.7%	7.7%	61%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#22 of 100 • Bottom 12.3% in tier

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

Why This Signature

Efficiency Ratio: 84.81%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.08% points

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

worse than tier avg

Member Growth (YoY): 1.95%

(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 | New qualifier

Liquidity Strain

risk

#37 of 148 • Bottom 12.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.68%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.75%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#144 of 198 • Bottom 54.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.52%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.38%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.95%

(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 improving

Credit Risk Growth

risk

#142 of 183 • Bottom 35.8% in tier

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

Why This Signature

Loan Growth (YoY): 7.75%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#205 of 225 • Bottom 53.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

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

→ Stable (228→225 CUs) -3 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 306 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 10.61%

Peer Median: 27.93%

#9 of 306 Top 2.6% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 501.000

Peer Median: 345.077

#18 of 306 Top 5.6% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.68%

Peer Median: 85.31%

#33 of 306 Top 10.5% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.01%

Peer Median: 3.37%

#35 of 306 Top 11.1% in 1B-3B tier

Total Members

engagement

Value: 122,745

Peer Median: 85,918

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (5 metrics)

297

Average Member Relationship (AMR)

engagement

Value: $18,291

Peer Median: $28,178

#297 of 306 Bottom 3.3% in 1B-3B tier

277

Loan-to-Member Ratio (LMR)

engagement

Value: $9,131

Peer Median: $12,733

#277 of 306 Bottom 9.8% in 1B-3B tier

274

Fee Income Per Member

profitability

Value: $122.86

Peer Median: $191.54

#274 of 306 Bottom 10.8% in 1B-3B tier

266

Efficiency Ratio

profitability

Value: 84.81%

Peer Median: 75.16%

#266 of 306 Bottom 13.4% in 1B-3B tier

237

Return on Assets (ROA)

profitability

Value: 0.40%

Peer Median: 0.66%

#237 of 306 Bottom 22.9% in 1B-3B tier