BlastPoint's Credit Union Scorecard

CASE

Charter #61908 · MI

1069 CUs in 100M-500M nationally 68 in MI

CASE has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 43.8% in tier
+ ROA 0.05% above tier average
+ Net Interest Margin 0.67% above tier average
+ Total Loans: Top 6.4% in tier
+ Total Members: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 15.9% in tier
- Stagnation Risk: Bottom 22.6% in tier
- Indirect Auto Dependency: Bottom 89.7% in tier
- Liquidity Strain: Bottom 95.6% in tier
- Efficiency ratio 0.70% above tier (higher cost structure)
- Member decline: -6.5% YoY
- Member Growth Rate: Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	27,179 -6.5% YoY-2.3% QoQ	+11.7K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Top 9.8% in tier
Assets	$395.8M +1.6% YoY+2.4% QoQ	+$164.0M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 11.5% in tier
Loans	$300.6M +0.6% YoY+1.3% QoQ	+$153.2M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Top 6.5% in tier
Deposits	$331.0M +1.8% YoY+2.4% QoQ	+$130.2M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 13.5% in tier

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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	0.8% +29.2% YoY+38.9% QoQ	+0.0%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	55%
NIM	4.3% +7.9% YoY+1.6% QoQ	+0.7%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	84%
Efficiency Ratio	77.7% +6.4% YoY-3.1% QoQ	+0.7%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	52%
Delinquency Rate	0.9% -17.2% YoY-20.8% QoQ	-0.0	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	60%
Loan To Share	90.8% -1.2% YoY-1.0% QoQ	+18.6%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Top 12.5% in tier
AMR	$23,239 +8.3% YoY+4.3% QoQ	$-1K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	53%
CD Concentration	18.0% -11.1% YoY-0.5% QoQ	-6.4%	24.4%	18.6%	19.8%	50%
Indirect Auto %	16.7% -24.5% YoY-9.1% QoQ	+2.9%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#225 of 513 • Top 43.8% in tier

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

Why This Signature

AMR Growth (YoY): 8.25%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Membership Headwinds

decline

#89 of 554 • Bottom 15.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#126 of 554 • Bottom 22.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.57%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.86%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#454 of 506 • Bottom 89.7% in tier

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

Why This Signature

Asset Growth (YoY): 1.64%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 16.67%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -6.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Strain

risk

#218 of 228 • Bottom 95.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.80%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 0.57%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $300.59M

Peer Median: -

#69 of 1069 Top 6.4% in 100M-500M tier

105

Total Members

engagement

Value: 27,179

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

123

Total Assets

balance_sheet

Value: $395.83M

Peer Median: -

#123 of 1069 Top 11.4% in 100M-500M tier

134

Loan-to-Share Ratio

balance_sheet

Value: 90.80%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

144

Total Deposits

balance_sheet

Value: $331.03M

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

166

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

178

AMR Growth Rate

growth

Value: 8.25%

Peer Median: -

#178 of 1069 Top 16.6% in 100M-500M tier

259

Fee Income Per Member

profitability

Value: $218.88

Peer Median: -

#259 of 1069 Top 24.1% in 100M-500M tier

Top Weaknesses (3 metrics)

995

Member Growth Rate

growth

Value: -6.53%

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

826

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier

811

Asset Growth Rate

growth

Value: 1.64%

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier