BlastPoint's Credit Union Scorecard
FAMILY FIRST
Charter #61909 · MI
FAMILY FIRST has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 1.1% in tier
- + Fee Income Per Member: Top 3.4% in tier
- + Total Loans: Top 6.0% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Delinquency rate 1.07% above tier average
- - Member decline: -2.7% YoY
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 8.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits -7.7% year over year ($88.4M in shares and deposits).
- Membership: 5,326 members, -2.7% vs a year ago.
- Delinquency rate 2.62%.
- Return on assets 0.25%.
- Efficiency ratio 81.52% vs a 88.77% peer average.
- Loan-to-share ratio 54.29% vs a 58.89% 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 |
5,326
-2.7% YoY-1.5% QoQ
|
+2.7K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 11.7% in tier |
| Assets |
$96.8M
-7.3% YoY-3.8% QoQ
|
+$66.5M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 1.1% in tier |
| Loans |
$48.0M
+4.5% YoY+1.5% QoQ
|
+$32.5M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Top 6.1% in tier |
| Deposits |
$88.4M
-7.7% YoY-3.6% QoQ
|
+$62.6M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 0.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-20.5% YoY-159.9% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
4.1%
+4.7% YoY+2.9% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
81.5%
+6.5% YoY-4.2% QoQ
|
-7.2% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
2.6%
+10.7% YoY+26.6% QoQ
|
+1.1 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
85% |
| Loan To Share |
54.3%
+13.2% YoY+5.3% QoQ
|
-4.6% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$25,596
-1.1% YoY-0.4% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Top 7.9% in tier |
| CD Concentration |
26.3%
+20.0% YoY+5.9% QoQ
|
+1.8% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
18.6%
+66.5% YoY+8.4% QoQ
|
+5.0% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)