BlastPoint's Credit Union Scorecard
SAFE HARBOR
Charter #61988 · MI
SAFE HARBOR has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.26% below tier average
- - Delinquency rate 1.45% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
- - Share Certificate Concentration (%): Bottom 9.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits -0.1% year over year ($165M in shares and deposits).
- Membership: 8,984 members, -0.1% vs a year ago.
- Delinquency rate 2.33%.
- Return on assets 0.61%.
- Efficiency ratio 76.72% vs a 76.73% peer average.
- Loan-to-share ratio 90.51% vs a 71.54% 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 |
8,984
-0.1% YoY+0.1% QoQ
|
-6.2K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$183.8M
+0.7% YoY+1.2% QoQ
|
$-48.2M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$149.6M
-0.1% YoY-0.9% QoQ
|
+$3.4M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$165.3M
-0.1% YoY+0.9% QoQ
|
$-35.4M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.6%
-39.0% YoY-507.7% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
4.0%
+8.7% YoY-0.2% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
76.7%
+4.5% YoY-2.9% QoQ
|
+0.0% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
2.3%
+44.8% YoY+107.0% QoQ
|
+1.4 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
90.5%
+0.0% YoY-1.8% QoQ
|
+19.0% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Top 14.4% in tier |
| AMR |
$35,058
+0.1% YoY-0.1% QoQ
|
+$10K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Top 10.4% in tier |
| CD Concentration |
38.6%
-10.1% YoY-2.0% QoQ
|
+14.1% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)