BlastPoint's Credit Union Scorecard

ALPENA-ALCONA AREA

Charter #62035 · MI

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MI

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ALPENA-ALCONA AREA has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 19.5% in tier
+ ROA 0.77% above tier average
+ Efficiency Ratio: Top 7.7% in tier
+ Loan Growth Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.7% in tier
- Indirect Auto Dependency: Bottom 15.7% in tier
- Credit Quality Pressure: Bottom 35.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	49,570 +2.8% YoY+0.8% QoQ	-1.9K	51,500 +0.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	46%
Assets	$957.6M +8.6% YoY+2.9% QoQ	+$91.9M	$865.6M +0.9% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Top 12.8% in tier
Loans	$589.8M +13.5% YoY+0.2% QoQ	$-5.5M	$595.3M +1.6% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	42%
Deposits	$835.5M +8.0% YoY+3.0% QoQ	+$93.3M	$742.2M +0.6% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Top 12.8% in tier

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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	1.5% +3.9% YoY+6.2% QoQ	+0.8%	0.8% +45.0% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 9.4% in tier
NIM	3.4% +3.0% YoY-0.3% QoQ	+0.0%	3.5% +6.1% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	57.1% -3.7% YoY-4.0% QoQ	-18.4%	75.5% -3.4% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Top 7.7% in tier
Delinquency Rate	0.6% +22.4% YoY-22.5% QoQ	-0.1	0.7% -0.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	54%
Loan To Share	70.6% +5.0% YoY-2.7% QoQ	-10.0%	80.6% +0.7% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	20%
AMR	$28,754 +7.2% YoY+1.0% QoQ	$-155	$28,908 +0.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	60%
CD Concentration	30.7% +5.0% YoY-2.4% QoQ	+6.5%	24.3%	18.6%	19.8%	73%
Indirect Auto %	17.9% +0.7% YoY+0.3% QoQ	+4.1%	13.8%	11.7%	7.7%	68%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#260 of 491 • Top 19.5% in tier

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

Why This Signature

AMR Growth (YoY): 7.18%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#141 of 476 • Bottom 8.7% in tier

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

Why This Signature

Loan Growth (YoY): 13.48%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

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

worse than tier avg

710 nationally

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

Credit Quality Pressure

risk

#471 of 727 • Bottom 35.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

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

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#328 of 504 • Bottom 15.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.61%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 17.89%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.85%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 117 peers in tier

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 57.09%

Peer Median: 77.38%

#10 of 117 Top 7.7% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Median: 0.63%

#11 of 117 Top 8.5% in 750M-1B tier

Loan Growth Rate

growth

Value: 13.48%

Peer Median: 4.33%

#11 of 117 Top 8.5% in 750M-1B tier

Total Assets

balance_sheet

Value: $957.58M

Peer Median: $858.87M

#15 of 117 Top 12.0% in 750M-1B tier

Total Deposits

balance_sheet

Value: $835.52M

Peer Median: $735.65M

#15 of 117 Top 12.0% in 750M-1B tier

Asset Growth Rate

growth

Value: 8.61%

Peer Median: 4.88%

#22 of 117 Top 17.9% in 750M-1B tier

Deposit Growth Rate

growth

Value: 8.04%

Peer Median: 4.60%

#22 of 117 Top 17.9% in 750M-1B tier

AMR Growth Rate

growth

Value: 7.18%

Peer Median: 3.70%

#25 of 117 Top 20.5% in 750M-1B tier

Top Weaknesses (1 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 70.59%

Peer Median: 84.41%

#94 of 117 Bottom 20.5% in 750M-1B tier