BlastPoint's Credit Union Scorecard
SAFE HARBOR
Charter #61988 · MI
SAFE HARBOR has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.28% above tier average
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Average Member Relationship (AMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Delinquency rate 0.90% above tier average
- - Share Certificate Concentration (%): Bottom 6.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
- - Fee Income Per Member: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,943
+1.4% YoY-1.0% QoQ
|
-6.5K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$182.2M
+5.7% YoY-1.4% QoQ
|
$-49.7M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$151.4M
+6.1% YoY+0.1% QoQ
|
+$4.0M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$164.1M
+4.9% YoY-1.9% QoQ
|
$-36.7M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
47% |
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 |
0.9%
-18.5% YoY-13.3% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
3.9%
+5.2% YoY+3.2% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
72.1%
+1.7% YoY+1.1% QoQ
|
-4.9% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.8%
+51.4% YoY+30.9% QoQ
|
+0.9 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.4% in tier |
| Loan To Share |
92.3%
+1.1% YoY+2.1% QoQ
|
+20.0% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Top 10.7% in tier |
| AMR |
$35,272
+4.0% YoY+0.1% QoQ
|
+$11K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 9.1% in tier |
| CD Concentration |
41.0%
+9.6% YoY-4.4% QoQ
|
+16.6% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)