BlastPoint's Credit Union Scorecard

FAMILY FINANCIAL

Charter #61633 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

FAMILY FINANCIAL faces 8 concerns requiring attention

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.47% below tier average
- Efficiency ratio 12.84% above tier (higher cost structure)
- Delinquency rate 0.25% above tier average
- Average Member Relationship (AMR): Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	16,646 -0.4% YoY-0.2% QoQ	+1.5K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	65%
Assets	$169.2M +6.5% YoY+2.6% QoQ	$-62.5M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	39%
Loans	$95.8M +0.5% YoY+1.0% QoQ	$-48.4M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	34%
Deposits	$148.1M +6.9% YoY+2.6% QoQ	$-53.0M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	40%

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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	0.3% -27.0% YoY-20.4% QoQ	-0.5%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	20%
NIM	3.5% -3.9% YoY-3.0% QoQ	-0.1%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	90.9% +1.3% YoY+2.6% QoQ	+12.8%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Bottom 13.5% in tier
Delinquency Rate	1.0% +2.8% YoY+1.3% QoQ	+0.2	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	77%
Loan To Share	64.6% -5.9% YoY-1.6% QoQ	-5.8%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	35%
AMR	$14,652 +4.7% YoY+2.1% QoQ	$-10K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Bottom 7.9% in tier
CD Concentration	18.0% +22.8% YoY+4.7% QoQ	-6.3%	24.3%	18.6%	19.8%	50%
Indirect Auto %	28.7% -2.4% YoY-0.0% QoQ	+14.9%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#16 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 90.87%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#142 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.50%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 28.70%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#639 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#471 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 0.51%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (1 metrics)

245

Deposit Growth Rate

growth

Value: 6.86%

Peer Median: 3.30%

#245 of 1070 Top 22.8% in 100M-500M tier

Top Weaknesses (6 metrics)

986

Average Member Relationship (AMR)

engagement

Value: $14,652

Peer Median: $22,931

#986 of 1070 Bottom 7.9% in 100M-500M tier

943

Loan-to-Member Ratio (LMR)

engagement

Value: $5,753

Peer Median: $9,356

#943 of 1070 Bottom 12.0% in 100M-500M tier

927

Efficiency Ratio

profitability

Value: 90.87%

Peer Median: 78.68%

#927 of 1070 Bottom 13.5% in 100M-500M tier

892

Indirect Auto Concentration (%)

balance_sheet

Value: 28.70%

Peer Median: 6.61%

#892 of 1070 Bottom 16.7% in 100M-500M tier

856

Return on Assets (ROA)

profitability

Value: 0.26%

Peer Median: 0.69%

#856 of 1070 Bottom 20.1% in 100M-500M tier

821

Total Delinquency Rate (60+ days)

risk

Value: 1.02%

Peer Median: 0.61%

#821 of 1070 Bottom 23.4% in 100M-500M tier