BlastPoint's Credit Union Scorecard
FINANCIALEDGE
Charter #61619 · MI
FINANCIALEDGE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency ratio 2.08% above tier (higher cost structure)
- - Delinquency rate 0.12% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,742
-0.7% YoY-0.3% QoQ
|
-6.7K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$139.9M
+8.9% YoY+2.7% QoQ
|
$-92.0M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$82.5M
+4.2% YoY-2.3% QoQ
|
$-64.8M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$121.3M
+8.8% YoY+2.9% QoQ
|
$-79.5M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
1.0%
-19.4% YoY-9.2% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.8%
-3.1% YoY-1.1% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
79.1%
+5.2% YoY+1.5% QoQ
|
+2.1% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.0%
+112.3% YoY+23.9% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
68.0%
-4.2% YoY-5.1% QoQ
|
-4.2% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$23,318
+7.6% YoY+1.1% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
13.1%
+14.9% YoY-8.6% QoQ
|
-11.3% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
5.9%
-9.9% YoY-2.3% QoQ
|
-7.9% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)