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 23.6% in tier
- + Organic Growth Leader: Top 41.4% in tier
- + ROA 0.50% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,178
+3.1% YoY+0.8% QoQ
|
-2.3K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$254.0M
+7.5% YoY+1.8% QoQ
|
+$22.2M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$146.6M
+3.8% YoY+1.5% QoQ
|
$-792K |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$224.7M
+5.9% YoY+1.4% QoQ
|
+$23.9M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
1.3%
+58.5% YoY-2.0% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.3%
+10.7% YoY+2.1% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
63.3%
-9.3% YoY+4.3% QoQ
|
-13.7% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
0.7%
-25.1% YoY+19.8% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
65.2%
-2.0% YoY+0.0% QoQ
|
-7.0% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$28,170
+1.9% YoY+0.7% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
21.8%
-4.6% YoY-4.7% QoQ
|
-2.6% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
13.6%
-17.4% YoY-2.4% QoQ
|
-0.2% | 13.8% | 11.8% | 7.8% | 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 (<20%). 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)