BlastPoint's Credit Union Scorecard

CASE

Charter #61908 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

CASE has 4 strengths but faces 8 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 50.0% in tier
+ Net Interest Margin 0.66% above tier average
+ Total Loans: Top 6.6% in tier
+ Total Members: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.57% below tier average
- Efficiency ratio 10.14% above tier (higher cost structure)
- Member decline: -5.9% YoY
- Member Growth Rate: Bottom 8.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits +2.1% year over year ($338M in shares and deposits).
Membership: 26,447 members, -5.9% vs a year ago.
Delinquency rate 0.85%.
Return on assets 0.30%.
Efficiency ratio 86.87% vs a 76.73% peer average.
Loan-to-share ratio 86.85% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	26,447 -5.9% YoY-1.4% QoQ	+11.3K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	Top 10.0% in tier
Assets	$400.1M +0.1% YoY-1.3% QoQ	+$168.1M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	Top 11.1% in tier
Loans	$294.0M +1.6% YoY-1.1% QoQ	+$147.7M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Top 6.7% in tier
Deposits	$338.5M +2.1% YoY-0.8% QoQ	+$137.8M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	Top 12.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -32.7% YoY-16.1% QoQ	-0.6%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Bottom 14.3% in tier
NIM	4.3% +7.7% YoY+0.8% QoQ	+0.7%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	Top 14.6% in tier
Efficiency Ratio	86.9% +5.3% YoY+0.7% QoQ	+10.1%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	81%
Delinquency Rate	0.8% -21.8% YoY+41.2% QoQ	+0.0	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	60%
Loan To Share	86.8% -0.5% YoY-0.3% QoQ	+15.3%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	79%
AMR	$23,913 +8.2% YoY+0.4% QoQ	$-1K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	55%
CD Concentration	17.5% -3.4% YoY+0.1% QoQ	-7.0%	24.6%	18.8%	20.0%	50%
Indirect Auto %	15.8% -19.4% YoY+0.8% QoQ	+2.2%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#193 of 483 • Top 50.0% 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: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Membership Headwinds

decline

#103 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Stagnation Risk

risk

#143 of 549 • Bottom 50.0% 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): -5.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.60%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.85%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Efficiency Drag

risk

#294 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.87%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -5.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#444 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 0.12%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 15.84%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -5.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $293.95M

Peer Median: $124.04M

#69 of 1024 Top 6.6% in 100M-500M tier

102

Total Members

engagement

Value: 26,447

Peer Median: 13,128

#102 of 1024 Top 9.9% in 100M-500M tier

114

Total Assets

balance_sheet

Value: $400.10M

Peer Median: $196.38M

#114 of 1024 Top 11.0% in 100M-500M tier

125

Total Deposits

balance_sheet

Value: $338.47M

Peer Median: $170.77M

#125 of 1024 Top 12.1% in 100M-500M tier

149

AMR Growth Rate

growth

Value: 8.25%

Peer Median: 3.53%

#149 of 1024 Top 14.5% in 100M-500M tier

150

Net Interest Margin (NIM)

profitability

Value: 4.34%

Peer Median: 3.67%

#150 of 1024 Top 14.6% in 100M-500M tier

212

Loan-to-Share Ratio

balance_sheet

Value: 86.85%

Peer Median: 73.07%

#212 of 1024 Top 20.6% in 100M-500M tier

Top Weaknesses (5 metrics)

943

Member Growth Rate

growth

Value: -5.89%

Peer Median: -0.03%

#943 of 1024 Bottom 8.0% in 100M-500M tier

878

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.75%

#878 of 1024 Bottom 14.4% in 100M-500M tier

841

Asset Growth Rate

growth

Value: 0.12%

Peer Median: 4.12%

#841 of 1024 Bottom 18.0% in 100M-500M tier

831

Efficiency Ratio

profitability

Value: 86.87%

Peer Median: 77.26%

#831 of 1024 Bottom 18.9% in 100M-500M tier

790

Net Charge-Off Rate

risk

Value: 0.64%

Peer Median: 0.34%

#790 of 1024 Bottom 22.9% in 100M-500M tier