BlastPoint's Credit Union Scorecard

NORTH CENTRAL AREA

Charter #61953 · MI

100M-500M

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

NORTH CENTRAL AREA has 5 strengths but faces 4 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
+ ROA 0.66% above tier average
+ Net Interest Margin 0.74% above tier average
+ AMR Growth Rate: Top 4.4% in tier
+ Loan Growth Rate: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Delinquency rate 0.10% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	20,236 -1.9% YoY+1.0% QoQ	+5.1K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	77%
Assets	$269.4M +9.8% YoY+3.3% QoQ	+$37.7M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	68%
Loans	$191.5M +15.6% YoY+3.0% QoQ	+$47.4M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	74%
Deposits	$239.8M +8.5% YoY+3.1% QoQ	+$38.6M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	68%

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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	1.4% +10.2% YoY+7.6% QoQ	+0.7%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 14.1% in tier
NIM	4.4% -2.0% YoY+1.0% QoQ	+0.7%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 12.3% in tier
Efficiency Ratio	73.4% +4.3% YoY+2.8% QoQ	-4.6%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	32%
Delinquency Rate	0.9% -26.3% YoY-44.5% QoQ	+0.1	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	70%
Loan To Share	79.9% +6.6% YoY-0.1% QoQ	+9.5%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	68%
AMR	$21,312 +13.8% YoY+2.0% QoQ	$-4K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	40%
CD Concentration	27.1% +9.8% YoY-1.8% QoQ	+2.8%	24.3%	18.6%	19.8%	50%
Indirect Auto %	32.4% +4.2% YoY+1.4% QoQ	+18.6%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#61 of 491 • 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): 13.75%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk

#28 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): 9.78%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 32.42%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.93%

(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 | Rank improving

Membership Headwinds

decline

#361 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): -1.93%

(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

Stagnation Risk

risk

#453 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): -1.93%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 15.62%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.88%

(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

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 (9 metrics)

AMR Growth Rate

growth

Value: 13.75%

Peer Median: 3.46%

#48 of 1070 Top 4.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.62%

Peer Median: 2.93%

#70 of 1070 Top 6.4% in 100M-500M tier

114

Asset Growth Rate

growth

Value: 9.78%

Peer Median: 3.91%

#114 of 1070 Top 10.6% in 100M-500M tier

131

Fee Income Per Member

profitability

Value: $243.53

Peer Median: $154.95

#131 of 1070 Top 12.1% in 100M-500M tier

132

Net Interest Margin (NIM)

profitability

Value: 4.37%

Peer Median: 3.62%

#132 of 1070 Top 12.2% in 100M-500M tier

151

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: 0.69%

#151 of 1070 Top 14.0% in 100M-500M tier

156

Deposit Growth Rate

growth

Value: 8.51%

Peer Median: 3.30%

#156 of 1070 Top 14.5% in 100M-500M tier

242

Total Members

engagement

Value: 20,236

Peer Median: 13,200

#242 of 1070 Top 22.5% in 100M-500M tier

259

First Mortgage Concentration (%)

balance_sheet

Value: 17.03%

Peer Median: 29.47%

#259 of 1070 Top 24.1% in 100M-500M tier

Top Weaknesses (1 metrics)

924

Indirect Auto Concentration (%)

balance_sheet

Value: 32.42%

Peer Median: 6.61%

#924 of 1070 Bottom 13.7% in 100M-500M tier