BlastPoint's Credit Union Scorecard

FAMILY FIRST

Charter #61909 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

FAMILY FIRST has 1 strength 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

+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	5,405 -1.5% YoY+0.4% QoQ	-9.7K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Bottom 4.8% in tier
Assets	$100.5M -5.0% YoY+0.5% QoQ	$-131.2M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Bottom 0.5% in tier
Loans	$47.3M +0.7% YoY+0.2% QoQ	$-96.9M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Bottom 5.1% in tier
Deposits	$91.7M -6.2% YoY+0.3% QoQ	$-109.5M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Bottom 5.1% 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	-0.4% -8.0% YoY-174.9% QoQ	-1.1%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Bottom 3.7% in tier
NIM	4.0% +2.1% YoY-4.8% QoQ	+0.4%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	85.1% -0.0% YoY+12.9% QoQ	+7.1%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	2.1% +28.4% YoY-23.1% QoQ	+1.3	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	Bottom 4.9% in tier
Loan To Share	51.6% +7.4% YoY-0.1% QoQ	-18.9%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 13.7% in tier
AMR	$25,707 -2.5% YoY-0.1% QoQ	+$788	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	65%
CD Concentration	24.9% +4.2% YoY+1.2% QoQ	+0.6%	24.3%	18.6%	19.8%	50%
Indirect Auto %	17.2% +44.5% YoY+18.7% QoQ	+3.4%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#134 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.46% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#124 of 596 • 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: 85.12%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.51%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#272 of 570 • 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): -1.51%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.68%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 2.07%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Shrinking Wallet Share

decline

#130 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.52%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#31 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.51%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.52%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Credit Risk Growth

risk

#291 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.68%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.46% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Membership Headwinds

decline

#430 of 570 • 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): -1.51%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#495 of 504 • 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): -4.96%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 17.16%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.51%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (1 metrics)

185

Fee Income Per Member

profitability

Value: $223.43

Peer Median: $154.95

#185 of 1070 Top 17.2% in 100M-500M tier

Top Weaknesses (13 metrics)

1065

Total Assets

balance_sheet

Value: $100.54M

Peer Median: $196.57M

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1045

Members Per Employee (MPE)

engagement

Value: 186.379

Peer Median: 309.176

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1042

Deposit Growth Rate

growth

Value: -6.23%

Peer Median: 3.30%

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1037

Asset Growth Rate

growth

Value: -4.96%

Peer Median: 3.91%

#1037 of 1070 Bottom 3.2% in 100M-500M tier

1030

Return on Assets (ROA)

profitability

Value: -0.41%

Peer Median: 0.69%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

1019

Total Delinquency Rate (60+ days)

risk

Value: 2.07%

Peer Median: 0.61%

#1019 of 1070 Bottom 4.9% in 100M-500M tier

1019

Total Members

engagement

Value: 5,405

Peer Median: 13,200

#1019 of 1070 Bottom 4.9% in 100M-500M tier

1015

Total Deposits

balance_sheet

Value: $91.68M

Peer Median: $171.29M

#1015 of 1070 Bottom 5.2% in 100M-500M tier

1015

Total Loans

balance_sheet

Value: $47.27M

Peer Median: $121.41M

#1015 of 1070 Bottom 5.2% in 100M-500M tier

998

Net Charge-Off Rate

risk

Value: 1.27%

Peer Median: 0.35%

#998 of 1070 Bottom 6.8% in 100M-500M tier