BlastPoint's Credit Union Scorecard
OUR
Charter #62028 · MI
OUR has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 75.0% in tier
- - Indirect Auto Dependency: Bottom 82.6% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 0.74% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,626
+0.1% YoY-0.2% QoQ
|
+8.2K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 14.8% in tier |
| Assets |
$360.4M
+0.7% YoY+1.9% QoQ
|
+$128.6M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$223.3M
+6.5% YoY+0.8% QoQ
|
+$76.0M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$335.3M
-1.0% YoY+1.7% QoQ
|
+$134.4M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 12.6% in tier |
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| ROA |
0.7%
+93.7% YoY+1.6% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
3.7%
+10.4% YoY+0.4% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
77.8%
-4.7% YoY+0.2% QoQ
|
+0.7% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.6%
-29.7% YoY-9.5% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
66.6%
+7.6% YoY-0.9% QoQ
|
-5.6% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$23,643
+1.8% YoY+1.5% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
18.8%
+7.1% YoY-3.0% QoQ
|
-5.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
26.9%
+5.4% YoY+1.3% QoQ
|
+13.1% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)