BlastPoint's Credit Union Scorecard

SUNRISE FAMILY

Charter #61995 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

SUNRISE FAMILY has 3 strengths 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 0.05% above tier average
+ Share Certificate Concentration (%): Top 4.0% in tier
+ Total Delinquency Rate (60+ days): Top 7.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.73% below tier average
- Efficiency ratio 21.68% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	11,134 -1.8% YoY-0.7% QoQ	-4.3K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	37%
Assets	$128.2M -4.2% YoY-1.5% QoQ	$-103.7M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	19%
Loans	$49.8M +6.5% YoY+2.7% QoQ	$-97.5M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Bottom 5.2% in tier
Deposits	$116.0M -5.7% YoY-1.5% QoQ	$-84.8M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	22%

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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	0.0% -90.2% YoY	-0.7%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Bottom 7.1% in tier
NIM	3.7% +15.1% YoY+5.6% QoQ	+0.1%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	53%
Efficiency Ratio	98.7% +11.3% YoY-2.7% QoQ	+21.7%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	Bottom 2.5% in tier
Delinquency Rate	0.1% -58.9% YoY-30.3% QoQ	-0.7	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	Top 7.3% in tier
Loan To Share	43.0% +12.9% YoY+4.3% QoQ	-29.3%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Bottom 5.3% in tier
AMR	$14,889 -0.5% YoY+0.5% QoQ	$-10K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	Bottom 8.7% in tier
CD Concentration	4.1% -71.6% YoY-13.8% QoQ	-20.3%	24.4%	18.6%	19.8%	50%
Indirect Auto %	19.5% -12.9% YoY-6.5% QoQ	+5.7%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#79 of 538 • 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: 98.70%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Membership Headwinds

decline

#364 of 554 • 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): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline

#50 of 56 • 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): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -0.53%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Stagnation Risk

risk

#522 of 554 • 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): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 6.45%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.15%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#485 of 506 • 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): -4.23%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 19.50%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#207 of 208 • 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): -0.53%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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 1069 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 4.10%

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

Top Weaknesses (13 metrics)

1044

Deposit Growth Rate

growth

Value: -5.71%

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

1043

Efficiency Ratio

profitability

Value: 98.70%

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

1036

Asset Growth Rate

growth

Value: -4.23%

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

1036

Loan-to-Member Ratio (LMR)

engagement

Value: $4,474

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

1013

Total Loans

balance_sheet

Value: $49.81M

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

1012

Loan-to-Share Ratio

balance_sheet

Value: 42.96%

Peer Median: -

#1012 of 1069 Bottom 5.4% in 100M-500M tier

993

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

976

Average Member Relationship (AMR)

engagement

Value: $14,889

Peer Median: -

#976 of 1069 Bottom 8.8% in 100M-500M tier

900

AMR Growth Rate

growth

Value: -0.53%

Peer Median: -

#900 of 1069 Bottom 15.9% in 100M-500M tier

867

Total Assets

balance_sheet

Value: $128.18M

Peer Median: -

#867 of 1069 Bottom 19.0% in 100M-500M tier