BlastPoint's Credit Union Scorecard
ALPENA-ALCONA AREA
Charter #62035 · MI
ALPENA-ALCONA AREA has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 38.7% in tier
- + ROA 0.56% above tier average
- + Total Assets: Top 4.5% in tier
- + Efficiency Ratio: Top 9.0% in tier
- + Total Deposits: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.8% in tier
- - Indirect Auto Dependency: Bottom 18.5% in tier
- - Credit Quality Pressure: Bottom 25.6% in tier
- - Delinquency rate 0.05% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 7 that size in Michigan.
- Shares and deposits +7.6% year over year ($848M in shares and deposits).
- Membership: 50,248 members, +4.1% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 1.41%.
- Efficiency ratio 59.29% vs a 74.54% peer average.
- Loan-to-share ratio 72.43% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,248
+4.1% YoY+1.4% QoQ
|
-2.2K |
52,482
+1.3% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$975.7M
+8.1% YoY+1.9% QoQ
|
+$111.8M |
$863.9M
+0.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 5.4% in tier |
| Loans |
$614.6M
+11.4% YoY+4.2% QoQ
|
+$6.8M |
$607.8M
+2.1% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$848.5M
+7.6% YoY+1.6% QoQ
|
+$108.6M |
$739.9M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 9.9% in tier |
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| ROA |
1.4%
-6.5% YoY-8.4% QoQ
|
+0.6% |
0.8%
+30.4% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.4%
+1.9% YoY+0.8% QoQ
|
-0.1% |
3.5%
+6.2% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
59.3%
+0.2% YoY+3.9% QoQ
|
-15.3% |
74.5%
-1.4% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
0.9%
+33.0% YoY+39.5% QoQ
|
+0.1 |
0.8%
+1.0% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
72.4%
+3.5% YoY+2.6% QoQ
|
-10.2% |
82.6%
+1.9% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$29,117
+4.8% YoY+1.3% QoQ
|
+$415 |
$28,702
+0.4% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
31.0%
+7.9% YoY+0.8% QoQ
|
+6.4% | 24.6% | 18.8% | 20.0% | 74% |
| Indirect Auto % |
17.8%
-0.9% YoY-0.5% QoQ
|
+4.2% | 13.6% | 11.7% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)