BlastPoint's Credit Union Scorecard
SAFE HARBOR
Charter #61988 · MI
SAFE HARBOR has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 0.41% above tier average
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
- + Average Member Relationship (AMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.88% below tier average
- - Efficiency ratio 0.97% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Share Certificate Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,971
+1.0% YoY+0.3% QoQ
|
-6.2K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$181.7M
+3.0% YoY-0.3% QoQ
|
$-50.1M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$151.0M
+5.2% YoY-0.2% QoQ
|
+$6.9M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$163.9M
+2.3% YoY-0.1% QoQ
|
$-37.3M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
-0.1%
-114.7% YoY-116.2% QoQ
|
-0.9% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.5% in tier |
| NIM |
4.0%
+7.8% YoY+4.0% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
79.0%
+7.2% YoY+9.6% QoQ
|
+1.0% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
1.1%
+4.7% YoY-37.4% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
92.2%
+2.7% YoY-0.1% QoQ
|
+21.8% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Top 7.9% in tier |
| AMR |
$35,100
+2.7% YoY-0.5% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 9.9% in tier |
| CD Concentration |
39.4%
-3.6% YoY-3.9% QoQ
|
+15.1% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)