BlastPoint's Credit Union Scorecard
FILER
Charter #62010 · MI
FILER demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.40% above tier average
- + Loan Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 +6.4% year over year ($233M in shares and deposits).
- Membership: 13,435 members, +3.7% vs a year ago.
- Delinquency rate 0.84%.
- Return on assets 1.27%.
- Efficiency ratio 64.19% vs a 76.73% peer average.
- Loan-to-share ratio 67.82% 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 |
13,435
+3.7% YoY+1.4% QoQ
|
-1.7K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$262.4M
+7.1% YoY+1.5% QoQ
|
+$30.4M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$157.7M
+13.8% YoY+5.0% QoQ
|
+$11.5M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$232.6M
+6.4% YoY+1.7% QoQ
|
+$31.9M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
1.3%
+2.4% YoY-1.2% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
3.5%
+11.1% YoY+2.9% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
64.2%
+4.1% YoY-3.7% QoQ
|
-12.5% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 14.2% in tier |
| Delinquency Rate |
0.8%
-1.0% YoY+46.0% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
67.8%
+6.9% YoY+3.3% QoQ
|
-3.7% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$29,054
+5.4% YoY+1.6% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
22.4%
-2.3% YoY+5.3% QoQ
|
-2.1% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
14.3%
-5.2% YoY+4.6% QoQ
|
+0.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)