BlastPoint's Credit Union Scorecard
TBA
Charter #61795 · MI
TBA has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.8% in tier
- + Profitability Leader: Top 51.6% in tier
- + ROA 0.65% above tier average
- + Net Interest Margin 0.70% above tier average
- + Member Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 24.3% in tier
- - Indirect Auto Dependency: Bottom 29.3% in tier
- - Delinquency rate 0.21% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,413
+4.9% YoY+1.1% QoQ
|
+4.8K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$372.8M
+2.7% YoY-0.1% QoQ
|
+$141.5M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 14.5% in tier |
| Loans |
$264.6M
+7.5% YoY+1.4% QoQ
|
+$116.8M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 11.2% in tier |
| Deposits |
$315.6M
+1.8% YoY-0.3% QoQ
|
+$115.3M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
1.4%
+17.7% YoY+0.0% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 14.1% in tier |
| NIM |
4.3%
+24.5% YoY+3.0% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 14.6% in tier |
| Efficiency Ratio |
63.5%
-7.4% YoY-1.8% QoQ
|
-13.8% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate |
1.1%
-17.0% YoY-18.9% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
83.8%
+5.6% YoY+1.6% QoQ
|
+11.1% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$28,423
-0.5% YoY-0.6% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
20.2%
-11.9% YoY-0.4% QoQ
|
-4.2% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.0%
-9.4% YoY-2.6% QoQ
|
+9.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)