BlastPoint's Credit Union Scorecard
FILER
Charter #62010 · MI
FILER demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.55% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,252
+3.0% YoY+0.6% QoQ
|
-1.9K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$258.5M
+7.4% YoY+1.8% QoQ
|
+$26.8M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$150.2M
+8.0% YoY+2.5% QoQ
|
+$6.0M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$228.7M
+6.2% YoY+1.8% QoQ
|
+$27.5M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
1.3%
+45.4% YoY+1.8% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
3.4%
+8.5% YoY+4.8% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
66.6%
+6.0% YoY+5.3% QoQ
|
-11.4% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.6%
-35.2% YoY-18.1% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
65.7%
+1.7% YoY+0.7% QoQ
|
-4.7% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$28,590
+3.7% YoY+1.5% QoQ
|
+$4K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
21.3%
-4.9% YoY-2.5% QoQ
|
-3.0% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
13.6%
-14.3% YoY+0.0% QoQ
|
-0.2% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)