BlastPoint's Credit Union Scorecard

MICHIGAN SCHOOLS AND GOVERNMENT

Charter #62049 · MI

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 3 in MI

View Mid-Market leaderboard →

MICHIGAN SCHOOLS AND GOVERNMENT has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 38.4% in tier
+ Organic Growth Leader: Top 38.4% in tier
+ Relationship Depth Leader: Top 39.2% in tier
+ ROA 0.54% above tier average
+ Average Member Relationship (AMR): Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 2.6% in tier
+ Efficiency Ratio: Top 5.2% in tier
+ Total Loans: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.3% in tier
- Credit Risk Growth: Bottom 38.2% in tier
- Credit Quality Pressure: Bottom 52.4% in tier
- Share Certificate Concentration (%): Bottom 7.8% in tier

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 77 credit unions with $3B-$5B in assets nationally, and 1 of 3 that size in Michigan.
Shares and deposits +7.2% year over year ($3.69B in shares and deposits).
Membership: 163,462 members, +3.1% vs a year ago.
Delinquency rate 0.61%.
Return on assets 1.47%.
Efficiency ratio 54.70% vs a 69.45% peer average.
Loan-to-share ratio 103.02% vs a 90.24% 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	163,462 +3.1% YoY+0.8% QoQ	-53.1K	216,545 -9.5% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	17%
Assets	$4.4B +7.7% YoY+1.0% QoQ	+$508.5M	$3.9B -1.6% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	77%
Loans	$3.8B +7.7% YoY+2.6% QoQ	+$872.0M	$2.9B -1.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Top 9.1% in tier
Deposits	$3.7B +7.2% YoY+0.5% QoQ	+$434.4M	$3.3B -2.6% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	80%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.5% +51.6% YoY+98.4% QoQ	+0.5%	0.9% +25.3% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Top 11.7% in tier
NIM	2.9% +12.6% YoY+2.2% QoQ	-0.3%	3.2% +3.8% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	22%
Efficiency Ratio	54.7% -13.5% YoY-18.8% QoQ	-14.8%	69.5% -2.3% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Top 5.2% in tier
Delinquency Rate	0.6% +5.3% YoY+60.7% QoQ	-0.2	0.8% +5.5% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	44%
Loan To Share	103.0% +0.5% YoY+2.0% QoQ	+12.8%	90.2% +0.9% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	Top 14.3% in tier
AMR	$45,850 +4.2% YoY+0.7% QoQ	+$15K	$31,018 +6.9% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Top 3.9% in tier
CD Concentration	46.0% +0.8% YoY-1.7% QoQ	+16.9%	29.1%	18.8%	20.0%	Top 4.5% in tier
Indirect Auto %	14.5% -5.1% YoY-0.0% QoQ	-3.6%	18.1%	11.7%	7.7%	47%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#46 of 113 • Top 38.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.07%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.47%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 14.49%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank worsening

Organic Growth Leader

growth

#68 of 112 • Top 38.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.07%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 14.49%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#44 of 69 • Top 39.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.25%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.3K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk

#33 of 168 • Bottom 9.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 103.02%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.74%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Credit Risk Growth

risk

#132 of 170 • Bottom 38.2% in tier

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

Why This Signature

Loan Growth (YoY): 7.74%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#195 of 215 • Bottom 52.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY

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 77 peers in tier

Top Strengths (10 metrics)

Average Member Relationship (AMR)

engagement

Value: $45,850

Peer Median: $28,880

#3 of 77 Top 2.6% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $23,266

Peer Median: $13,282

#3 of 77 Top 2.6% in 3B-5B tier

Efficiency Ratio

profitability

Value: 54.70%

Peer Median: 68.32%

#5 of 77 Top 5.2% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.80B

Peer Median: $2.91B

#7 of 77 Top 7.8% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.47%

Peer Median: 0.94%

#9 of 77 Top 10.4% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 103.02%

Peer Median: 93.34%

#11 of 77 Top 13.0% in 3B-5B tier

Net Worth Ratio

risk

Value: 12.63%

Peer Median: 10.81%

#14 of 77 Top 16.9% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.69B

Peer Median: $3.34B

#15 of 77 Top 18.2% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Median: 0.47%

#17 of 77 Top 20.8% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.41B

Peer Median: $3.97B

#18 of 77 Top 22.1% in 3B-5B tier

Top Weaknesses (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 45.96%

Peer Median: 32.00%

#72 of 77 Bottom 7.8% in 3B-5B tier

Total Members

engagement

Value: 163,462

Peer Median: 211,695

#64 of 77 Bottom 18.2% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 44.16%

Peer Median: 32.92%

#62 of 77 Bottom 20.8% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.28%

#60 of 77 Bottom 23.4% in 3B-5B tier