BlastPoint's Credit Union Scorecard

ALLIANCE CATHOLIC

Charter #61759 · MI

Community 500M-750M

165 CUs in 500M-750M nationally 9 in MI

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ALLIANCE CATHOLIC has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 7.9% in tier
+ Wallet Share Momentum: Top 15.6% in tier
+ Organic Growth Leader: Top 78.6% in tier
+ Organic Growth Engine: Top 93.8% in tier
+ Net Interest Margin 0.06% above tier average
+ Loan Growth Rate: Top 2.4% in tier
+ AMR Growth Rate: Top 6.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 61.3% in tier
- ROA 0.28% below tier average
- Efficiency ratio 8.41% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	32,902 +1.2% YoY+0.2% QoQ	-5.7K	38,575 -4.8% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	31%
Assets	$672.3M +7.2% YoY+2.8% QoQ	+$50.5M	$621.7M +0.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	70%
Loans	$419.1M +27.5% YoY+4.8% QoQ	$-10.7M	$429.8M -1.8% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	44%
Deposits	$587.2M +6.2% YoY+2.6% QoQ	+$48.5M	$538.7M +0.6% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	75%

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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	0.4% -76.9% YoY+75.5% QoQ	-0.3%	0.7% +42.9% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	32%
NIM	3.5% +16.7% YoY-0.1% QoQ	+0.1%	3.4% +8.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	54%
Efficiency Ratio	85.9% +26.7% YoY-3.3% QoQ	+8.4%	77.5% -4.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	0.4% -47.9% YoY+29.7% QoQ	-0.5	0.8% -1.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	17%
Loan To Share	71.4% +20.1% YoY+2.2% QoQ	-8.5%	79.8% -2.3% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	22%
AMR	$30,587 +12.7% YoY+3.3% QoQ	+$4K	$26,849 +2.7% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	75%
CD Concentration	24.1% +12.2% YoY+2.7% QoQ	-0.3%	24.4%	18.6%	19.8%	49%
Indirect Auto %	8.8% +67.0% YoY+3.4% QoQ	-4.9%	13.8%	11.8%	7.8%	52%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#22 of 268 • Top 7.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 12.74%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.9K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#81 of 513 • Top 15.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.74%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Leader

growth

#335 of 426 • Top 78.6% in tier

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

Why This Signature

Member Growth (YoY): 1.23%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 8.85%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#558 of 595 • Top 93.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.23%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.38%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 8.85%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#330 of 538 • Bottom 61.3% in tier

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

Why This Signature

Efficiency Ratio: 85.92%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -1.26% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | 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 165 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 27.54%

Peer Median: -

#5 of 165 Top 2.4% in 500M-750M tier

AMR Growth Rate

growth

Value: 12.74%

Peer Median: -

#11 of 165 Top 6.1% in 500M-750M tier

Fee Income Per Member

profitability

Value: $279.10

Peer Median: -

#27 of 165 Top 15.8% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.50%

Peer Median: -

#36 of 165 Top 21.2% in 500M-750M tier

Total Deposits

balance_sheet

Value: $587.23M

Peer Median: -

#41 of 165 Top 24.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $30,587

Peer Median: -

#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (3 metrics)

162

Members Per Employee (MPE)

engagement

Value: 215.046

Peer Median: -

#162 of 165 Bottom 2.4% in 500M-750M tier

136

Efficiency Ratio

profitability

Value: 85.92%

Peer Median: -

#136 of 165 Bottom 18.2% in 500M-750M tier

129

Loan-to-Share Ratio

balance_sheet

Value: 71.37%

Peer Median: -

#129 of 165 Bottom 22.4% in 500M-750M tier