BlastPoint's Credit Union Scorecard

FRANKENMUTH

Charter #61755 · MI

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 19 in MI

View Mid-Market leaderboard →

FRANKENMUTH has 6 strengths but faces 5 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

+ Organic Growth Engine: Top 12.2% in tier
+ Emerging Performer: Top 17.1% in tier
+ Organic Growth Leader: Top 36.9% in tier
+ ROA 0.36% above tier average
+ Net Interest Margin 0.36% above tier average
+ Fee Income Per Member: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 21.4% in tier
- Credit Risk Growth: Bottom 26.4% in tier
- Efficiency ratio 2.20% above tier (higher cost structure)
- Delinquency rate 0.05% above tier average
- Members Per Employee (MPE): Bottom 1.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	76,954 +4.9% YoY+0.7% QoQ	-20.5K	97,431 -2.4% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	37%
Assets	$1.5B +7.0% YoY+1.2% QoQ	$-206.1M	$1.7B +0.9% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	50%
Loans	$1.1B +6.5% YoY+0.1% QoQ	$-106.5M	$1.2B +0.5% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	51%
Deposits	$1.4B +7.0% YoY+1.7% QoQ	$-103.7M	$1.5B +0.9% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	53%

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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	1.0% +21.4% YoY-3.8% QoQ	+0.4%	0.7% +20.9% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	82%
NIM	3.6% +7.4% YoY+1.0% QoQ	+0.4%	3.3% +9.2% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	73%
Efficiency Ratio	76.3% -4.1% YoY+0.5% QoQ	+2.2%	74.1% -9.5% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	59%
Delinquency Rate	0.9% +46.1% YoY-12.9% QoQ	+0.1	0.9% +6.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	66%
Loan To Share	83.2% -0.4% YoY-1.6% QoQ	-1.6%	84.8% -0.8% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	39%
AMR	$32,273 +1.8% YoY+0.3% QoQ	+$3K	$29,428 +2.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	72%
CD Concentration	18.4% -16.4% YoY-7.7% QoQ	-10.7%	29.0%	18.6%	19.8%	Bottom 10.6% in tier
Indirect Auto %	10.0% +5.7% YoY+0.7% QoQ	-8.4%	18.3%	11.8%	7.8%	36%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#31 of 247 • Top 12.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.87%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 1.05%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 9.96%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth

#14 of 77 • Top 17.1% 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: 1.05%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 4.87%

(Tier: 3.43%, National: 4.32%)

better than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Organic Growth Leader

growth

#53 of 142 • Top 36.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.87%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 9.96%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#46 of 211 • Bottom 21.4% 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: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Credit Risk Growth

risk

#44 of 164 • Bottom 26.4% in tier

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

Why This Signature

Loan Growth (YoY): 6.51%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.30% points

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

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 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 302 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $443.05

Peer Median: -

#4 of 302 Top 1.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.39%

Peer Median: -

#34 of 302 Top 10.9% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.05%

Peer Median: -

#56 of 302 Top 18.2% in 1B-3B tier

Member Growth Rate

growth

Value: 4.87%

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

Top Weaknesses (1 metrics)

299

Members Per Employee (MPE)

engagement

Value: 185.431

Peer Median: -

#299 of 302 Bottom 1.3% in 1B-3B tier