BlastPoint's Credit Union Scorecard

BEST FINANCIAL

Charter #62027 · MI

1077 CUs in 100M-500M nationally 67 in MI

BEST FINANCIAL has 2 strengths but faces 4 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

+ Organic Growth Leader: Top 15.9% in tier
+ Organic Growth Engine: Top 27.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.3% in tier
- Liquidity Overhang: Bottom 96.2% in tier
- ROA 0.58% below tier average
- Efficiency ratio 11.66% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	13,754 +2.6% YoY+1.0% QoQ	-1.9K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	51%
Assets	$141.8M +1.6% YoY+0.5% QoQ	$-89.5M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	27%
Loans	$104.1M +5.6% YoY+1.6% QoQ	$-43.6M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	37%
Deposits	$117.7M +1.6% YoY+0.3% QoQ	$-82.6M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +50.6% YoY+448.8% QoQ	-0.6%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Bottom 14.0% in tier
NIM	3.5% +12.6% YoY+3.0% QoQ	-0.1%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	45%
Efficiency Ratio	88.9% +0.0% YoY-3.0% QoQ	+11.7%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Top 12.2% in tier
Delinquency Rate	0.8% -11.6% YoY-1.7% QoQ	-0.1	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	59%
Loan To Share	88.5% +4.0% YoY+1.3% QoQ	+15.8%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	82%
AMR	$16,130 +0.9% YoY-0.1% QoQ	$-8K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Bottom 13.9% in tier
CD Concentration	16.1% -30.8% YoY-7.3% QoQ	-8.3%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	5.3% +54.8% YoY+42.1% QoQ	-8.7%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#210 of 430 • Top 15.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 5.27%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#496 of 603 • Top 27.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.21%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 5.27%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY

Concerns (2)

Efficiency Drag

risk

#94 of 521 • Bottom 5.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.94%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 2.56%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Overhang

risk

#129 of 134 • Bottom 96.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.22%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 88.48%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (4 metrics)

114

Net Worth Ratio

risk

Value: 16.22%

Peer Avg: -

#114 of 1077 Top 10.5% in 100M-500M tier

198

Loan-to-Share Ratio

balance_sheet

Value: 88.48%

Peer Avg: -

#198 of 1077 Top 18.3% in 100M-500M tier

223

Fee Income Per Member

profitability

Value: $225.69

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

257

Member Growth Rate

growth

Value: 2.56%

Peer Avg: -

#257 of 1077 Top 23.8% in 100M-500M tier

Top Weaknesses (4 metrics)

947

Efficiency Ratio

profitability

Value: 88.94%

Peer Avg: -

#947 of 1077 Bottom 12.2% in 100M-500M tier

927

Average Member Relationship (AMR)

engagement

Value: $16,130

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

926

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Avg: -

#926 of 1077 Bottom 14.1% in 100M-500M tier

817

Total Deposits

balance_sheet

Value: $117.70M

Peer Avg: -

#817 of 1077 Bottom 24.2% in 100M-500M tier