BlastPoint's Credit Union Scorecard

BEST FINANCIAL

Charter #62027 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

BEST FINANCIAL has 5 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.11% above tier average
+ Deposit Growth Rate: Top 5.0% in tier
+ AMR Growth Rate: Top 5.9% in tier
+ Asset Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.71% below tier average
- Efficiency ratio 2.21% above tier (higher cost structure)
- Delinquency rate 0.83% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	12,930 -4.4% YoY+1.3% QoQ	-2.2K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	49%
Assets	$156.1M +10.1% YoY+8.8% QoQ	$-75.7M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	34%
Loans	$104.5M +2.3% YoY-0.4% QoQ	$-39.6M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	39%
Deposits	$132.2M +11.9% YoY+10.9% QoQ	$-68.9M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	31%

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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% -86.5% YoY	-0.7%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Bottom 8.1% in tier
NIM	3.7% +9.7% YoY+5.6% QoQ	+0.1%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	80.2% -10.2% YoY-13.1% QoQ	+2.2%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	1.6% +190.9% YoY+29.3% QoQ	+0.8	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	Bottom 9.3% in tier
Loan To Share	79.0% -8.5% YoY-10.1% QoQ	+8.6%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	66%
AMR	$18,309 +12.4% YoY+4.3% QoQ	$-7K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	22%
CD Concentration	24.6% +33.2% YoY+63.8% QoQ	+0.3%	24.3%	18.6%	19.8%	50%
Indirect Auto %	9.2% +213.1% YoY+21.9% QoQ	-4.6%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#80 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.42%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#25 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#129 of 570 • 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): -4.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.61%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#152 of 570 • 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): -4.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#173 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 1.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#529 of 596 • 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: 80.24%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -4.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (5 metrics)

Deposit Growth Rate

growth

Value: 11.91%

Peer Median: 3.30%

#55 of 1070 Top 5.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.42%

Peer Median: 3.46%

#64 of 1070 Top 5.9% in 100M-500M tier

104

Asset Growth Rate

growth

Value: 10.07%

Peer Median: 3.91%

#104 of 1070 Top 9.6% in 100M-500M tier

153

Fee Income Per Member

profitability

Value: $233.61

Peer Median: $154.95

#153 of 1070 Top 14.2% in 100M-500M tier

184

Net Worth Ratio

risk

Value: 14.56%

Peer Median: 11.45%

#184 of 1070 Top 17.1% in 100M-500M tier

Top Weaknesses (5 metrics)

983

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.69%

#983 of 1070 Bottom 8.2% in 100M-500M tier

972

Total Delinquency Rate (60+ days)

risk

Value: 1.61%

Peer Median: 0.61%

#972 of 1070 Bottom 9.3% in 100M-500M tier

941

Member Growth Rate

growth

Value: -4.40%

Peer Median: -0.06%

#941 of 1070 Bottom 12.1% in 100M-500M tier

857

Net Charge-Off Rate

risk

Value: 0.73%

Peer Median: 0.35%

#857 of 1070 Bottom 20.0% in 100M-500M tier

835

Average Member Relationship (AMR)

engagement

Value: $18,309

Peer Median: $22,931

#835 of 1070 Bottom 22.1% in 100M-500M tier