BlastPoint's Credit Union Scorecard

FRANKENMUTH

Charter #61755 · MI

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

FRANKENMUTH has 6 strengths but faces 4 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

+ Emerging Performer: Top 5.7% in tier
+ Organic Growth Engine: Top 27.6% in tier
+ Organic Growth Leader: Top 27.6% in tier
+ ROA 0.79% above tier average
+ Net Interest Margin 0.40% above tier average
+ Fee Income Per Member: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.3% in tier
- Credit Risk Growth: Bottom 50.5% in tier
- Delinquency rate 0.32% above tier average
- Members Per Employee (MPE): Bottom 2.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	78,016 +4.4% YoY+1.4% QoQ	-18.0K	96,048 -2.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	40%
Assets	$1.6B +7.8% YoY+3.2% QoQ	$-153.7M	$1.7B +0.4% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	53%
Loans	$1.1B +5.5% YoY+0.9% QoQ	$-75.5M	$1.2B +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	54%
Deposits	$1.4B +8.0% YoY+3.1% QoQ	$-68.3M	$1.5B +0.5% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +14.4% YoY+44.1% QoQ	+0.8%	0.7% +27.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 5.2% in tier
NIM	3.8% +6.9% YoY+3.3% QoQ	+0.4%	3.4% +6.2% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	73.4% -5.3% YoY-3.8% QoQ	-1.3%	74.6% -3.0% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	1.1% +38.7% YoY+12.9% QoQ	+0.3	0.8% +6.9% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	82%
Loan To Share	81.5% -2.2% YoY-2.1% QoQ	-1.7%	83.2% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	38%
AMR	$32,500 +2.4% YoY+0.7% QoQ	+$3K	$29,652 +2.3% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	73%
CD Concentration	17.8% -15.3% YoY-3.3% QoQ	-11.1%	28.8%	18.6%	19.8%	Bottom 9.9% in tier
Indirect Auto %	10.1% +4.4% YoY+1.3% QoQ	-8.0%	18.1%	11.7%	7.7%	38%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#9 of 79 • Top 5.7% 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: 1.51%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.37%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Organic Growth Engine

growth

#21 of 115 • Top 27.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.37%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 1.51%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 10.10%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#44 of 116 • Top 27.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.37%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 10.10%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#43 of 225 • Bottom 11.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.30% points

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

worse than tier avg

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

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#61 of 183 • Bottom 50.5% in tier

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

Why This Signature

Loan Growth (YoY): 5.55%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.30% points

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

worse than tier avg

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

→ No prior data (183 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 306 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $465.15

Peer Median: $191.54

#3 of 306 Top 0.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Median: 0.66%

#16 of 306 Top 4.9% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.77%

Peer Median: 27.93%

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

Deposit Growth Rate

growth

Value: 7.96%

Peer Median: 4.44%

#70 of 306 Top 22.5% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.75%

Peer Median: 3.37%

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

Member Growth Rate

growth

Value: 4.37%

Peer Median: 2.03%

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (2 metrics)

301

Members Per Employee (MPE)

engagement

Value: 184.872

Peer Median: 345.077

#301 of 306 Bottom 2.0% in 1B-3B tier

253

Total Delinquency Rate (60+ days)

risk

Value: 1.07%

Peer Median: 0.63%

#253 of 306 Bottom 17.6% in 1B-3B tier