BlastPoint's Credit Union Scorecard
FINANCIALEDGE
Charter #61619 · MI
FINANCIALEDGE has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 6.01% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits +9.2% year over year ($127M in shares and deposits).
- Membership: 8,831 members, +0.6% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 0.71%.
- Efficiency ratio 82.74% vs a 76.73% peer average.
- Loan-to-share ratio 66.12% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,831
+0.6% YoY+0.4% QoQ
|
-6.3K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$147.2M
+9.1% YoY+1.6% QoQ
|
$-84.8M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$84.3M
+5.2% YoY+1.4% QoQ
|
$-62.0M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$127.4M
+9.2% YoY+1.3% QoQ
|
$-73.3M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.7%
-40.7% YoY+6.6% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.7%
-2.9% YoY+1.0% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
82.7%
+7.8% YoY-0.9% QoQ
|
+6.0% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.7%
-31.2% YoY-8.7% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
66.1%
-3.7% YoY+0.2% QoQ
|
-5.4% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$23,969
+6.9% YoY+0.9% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
12.9%
-3.0% YoY-0.2% QoQ
|
-11.6% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
5.5%
-15.5% YoY-4.1% QoQ
|
-8.1% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)