BlastPoint's Credit Union Scorecard

HARBORLIGHT

Charter #62066 · MI

100M-500M

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

HARBORLIGHT has 2 strengths but faces 4 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

+ ROA 0.10% above tier average
+ Net Interest Margin 0.43% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Efficiency ratio 0.91% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	11,537 +0.1% YoY+0.3% QoQ	-3.6K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	41%
Assets	$169.3M +3.9% YoY+4.5% QoQ	$-62.4M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	39%
Loans	$108.3M +1.0% YoY-1.2% QoQ	$-35.9M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	42%
Deposits	$148.9M +3.2% YoY+5.0% QoQ	$-52.3M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	40%

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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	0.8% -11.4% YoY-34.8% QoQ	+0.1%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	59%
NIM	4.1% +6.6% YoY-1.4% QoQ	+0.4%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	77%
Efficiency Ratio	78.9% -3.7% YoY+2.0% QoQ	+0.9%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.2% +64.0% YoY-64.2% QoQ	-0.6	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	Top 10.9% in tier
Loan To Share	72.7% -2.1% YoY-5.9% QoQ	+2.3%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	51%
AMR	$22,287 +2.2% YoY+2.0% QoQ	$-3K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	46%
CD Concentration	11.7% -0.4% YoY+1.4% QoQ	-12.6%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#551 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): 0.07% 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 | New qualifier

Credit Risk Growth

risk

#454 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): 1.02%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.07% 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

Margin Compression

decline

#132 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.83%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.94%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.11% points

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

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

118

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.61%

#118 of 1070 Top 10.9% in 100M-500M tier

138

Share Certificate Concentration (%)

balance_sheet

Value: 11.66%

Peer Median: 23.10%

#138 of 1070 Top 12.8% in 100M-500M tier

157

Fee Income Per Member

profitability

Value: $232.48

Peer Median: $154.95

#157 of 1070 Top 14.6% in 100M-500M tier

245

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Median: 3.62%

#245 of 1070 Top 22.8% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available