BlastPoint's Credit Union Scorecard

CASE

Charter #61908 · MI

1077 CUs in 100M-500M nationally 67 in MI

CASE has 5 strengths but faces 13 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 3.5% in tier
+ Net Interest Margin 0.62% above tier average
+ AMR Growth Rate: Top 1.3% in tier
+ Total Loans: Top 6.7% in tier
+ Total Members: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 0.5% in tier
- Stagnation Risk: Bottom 4.1% in tier
- Institutional Decline: Bottom 7.0% in tier
- Credit Quality Pressure: Bottom 15.0% in tier
- Cost Spiral: Bottom 19.3% in tier
- Indirect Auto Dependency: Bottom 27.3% in tier
- Efficiency Drag: Bottom 29.2% in tier
- Liquidity Strain: Bottom 31.7% in tier
- ROA 0.20% below tier average
- Efficiency ratio 2.95% above tier (higher cost structure)
- Delinquency rate 0.22% above tier average
- Member decline: -17.2% YoY
- Member Growth Rate: Bottom 1.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	27,820 -17.2% YoY-1.0% QoQ	+12.2K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Top 9.3% in tier
Assets	$386.5M +0.6% YoY-3.3% QoQ	+$155.2M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	Top 12.5% in tier
Loans	$296.6M -1.2% YoY+2.5% QoQ	+$148.8M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	Top 6.8% in tier
Deposits	$323.4M +1.9% YoY-2.4% QoQ	+$123.1M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	Top 14.5% 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	0.6% -31.6% YoY+31.6% QoQ	-0.2%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	38%
NIM	4.2% +8.0% YoY+4.3% QoQ	+0.6%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	83%
Efficiency Ratio	80.2% +8.6% YoY-2.7% QoQ	+3.0%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	62%
Delinquency Rate	1.1% +21.5% YoY-0.2% QoQ	+0.2	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	74%
Loan To Share	91.7% -3.1% YoY+5.1% QoQ	+19.0%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	Top 12.6% in tier
AMR	$22,286 +21.2% YoY+0.9% QoQ	$-2K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	49%
CD Concentration	18.1% -5.9% YoY-0.3% QoQ	-6.3%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	18.3% -22.6% YoY-6.6% QoQ	+4.4%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#18 of 481 • Top 3.5% in tier

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

Why This Signature

AMR Growth (YoY): 21.23%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (8)

Membership Headwinds

decline

#9 of 550 • Bottom 0.5% in tier

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

Why This Signature

Member Growth (YoY): -17.20%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#68 of 550 • Bottom 4.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -17.20%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.24%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.08%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#56 of 256 • Bottom 7.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $386.51M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -17.20%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.24%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#371 of 736 • Bottom 15.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Cost Spiral

risk

#48 of 62 • Bottom 19.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.39% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.23%

(Tier: 59.95%, National: 63.68%)

worse than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#439 of 525 • Bottom 27.3% in tier

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

Why This Signature

Asset Growth (YoY): 0.57%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 18.35%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -17.20%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Efficiency Drag

risk

#516 of 521 • Bottom 29.2% in tier

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

Why This Signature

Efficiency Ratio: 80.23%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -17.20%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Strain

risk

#246 of 258 • Bottom 31.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.72%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -1.24%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 1077 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 21.23%

Peer Avg: -

#15 of 1077 Top 1.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $296.61M

Peer Avg: -

#73 of 1077 Top 6.7% in 100M-500M tier

100

Total Members

engagement

Value: 27,820

Peer Avg: -

#100 of 1077 Top 9.2% in 100M-500M tier

135

Total Assets

balance_sheet

Value: $386.51M

Peer Avg: -

#135 of 1077 Top 12.4% in 100M-500M tier

136

Loan-to-Share Ratio

balance_sheet

Value: 91.72%

Peer Avg: -

#136 of 1077 Top 12.5% in 100M-500M tier

156

Total Deposits

balance_sheet

Value: $323.38M

Peer Avg: -

#156 of 1077 Top 14.4% in 100M-500M tier

179

Net Interest Margin (NIM)

profitability

Value: 4.20%

Peer Avg: -

#179 of 1077 Top 16.5% in 100M-500M tier

Top Weaknesses (2 metrics)

1066

Member Growth Rate

growth

Value: -17.20%

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

837

Asset Growth Rate

growth

Value: 0.57%

Peer Avg: -

#837 of 1077 Bottom 22.4% in 100M-500M tier