BlastPoint's Credit Union Scorecard

IGNITE

Charter #62072 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

IGNITE has 4 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 1.01% above tier average
+ Total Members: Top 6.5% in tier
+ Total Loans: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.65% below tier average
- Efficiency ratio 12.19% 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	30,282 -2.4% YoY-0.9% QoQ	+14.8K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Top 6.6% in tier
Assets	$371.2M +1.8% YoY-0.8% QoQ	+$139.3M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 15.0% in tier
Loans	$295.9M +3.6% YoY-0.0% QoQ	+$148.6M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Top 7.0% in tier
Deposits	$329.7M +1.6% YoY-0.1% QoQ	+$128.9M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 13.7% in tier

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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	0.1% -52.8% YoY-59.4% QoQ	-0.7%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Bottom 9.5% in tier
NIM	4.6% +33.2% YoY-0.9% QoQ	+1.0%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 7.6% in tier
Efficiency Ratio	89.2% +13.7% YoY+3.1% QoQ	+12.2%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	Bottom 11.6% in tier
Delinquency Rate	1.0% +51.7% YoY-4.0% QoQ	+0.1	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	71%
Loan To Share	89.8% +2.0% YoY+0.1% QoQ	+17.5%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Top 14.7% in tier
AMR	$20,660 +5.0% YoY+0.8% QoQ	$-4K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	38%
CD Concentration	18.4% +5.9% YoY-0.8% QoQ	-6.0%	24.4%	18.6%	19.8%	50%
Indirect Auto %	21.7% -0.7% YoY-0.8% QoQ	+7.9%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#501 of 513 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.05%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#98 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.21%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Quality Pressure

risk

#208 of 705 • 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): 0.35% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#211 of 456 • 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): 3.62%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.35% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Membership Headwinds

decline

#309 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#329 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.62%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.03%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#400 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.82%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 21.71%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 30,282

Peer Median: -

#71 of 1069 Top 6.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $295.92M

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.61%

Peer Median: -

#81 of 1069 Top 7.5% in 100M-500M tier

141

Fee Income Per Member

profitability

Value: $251.82

Peer Median: -

#141 of 1069 Top 13.1% in 100M-500M tier

146

Total Deposits

balance_sheet

Value: $329.71M

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

157

Loan-to-Share Ratio

balance_sheet

Value: 89.75%

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

160

Total Assets

balance_sheet

Value: $371.20M

Peer Median: -

#160 of 1069 Top 14.9% in 100M-500M tier

Top Weaknesses (6 metrics)

967

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

946

Efficiency Ratio

profitability

Value: 89.21%

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

932

Members Per Employee (MPE)

engagement

Value: 234.744

Peer Median: -

#932 of 1069 Bottom 12.9% in 100M-500M tier

891

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier

815

Member Growth Rate

growth

Value: -2.36%

Peer Median: -

#815 of 1069 Bottom 23.9% in 100M-500M tier

806

Indirect Auto Concentration (%)

balance_sheet

Value: 21.71%

Peer Median: -

#806 of 1069 Bottom 24.7% in 100M-500M tier