BlastPoint's Credit Union Scorecard

U.P. STATE

Charter #62085 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

U.P. STATE has 6 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
+ ROA 0.79% above tier average
+ Net Interest Margin 0.93% above tier average
+ AMR Growth Rate: Top 3.2% in tier
+ Loan Growth Rate: Top 3.5% in tier
+ Share Certificate Concentration (%): Top 7.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Delinquency rate 0.22% above tier average
- Member decline: -5.4% YoY
- Member Growth Rate: Bottom 8.9% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits +2.4% year over year ($182M in shares and deposits).
Membership: 14,446 members, -5.4% vs a year ago.
Delinquency rate 1.10%.
Return on assets 1.66%.
Efficiency ratio 68.60% vs a 76.73% peer average.
Loan-to-share ratio 76.17% vs a 71.54% 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	14,446 -5.4% YoY+1.6% QoQ	-722	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	57%
Assets	$210.3M +5.0% YoY-0.7% QoQ	$-21.7M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	54%
Loans	$138.3M +19.4% YoY+7.9% QoQ	$-8.0M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	56%
Deposits	$181.5M +2.4% YoY-1.1% QoQ	$-19.2M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	53%

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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	1.7% +128.5% YoY+7.0% QoQ	+0.8%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Top 9.0% in tier
NIM	4.6% +1.2% YoY+1.2% QoQ	+0.9%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	Top 8.2% in tier
Efficiency Ratio	68.6% -20.6% YoY-2.3% QoQ	-8.1%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	23%
Delinquency Rate	1.1% +186.9% YoY+102.9% QoQ	+0.2	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	73%
Loan To Share	76.2% +16.6% YoY+9.1% QoQ	+4.6%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	56%
AMR	$22,138 +15.4% YoY+1.0% QoQ	$-3K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	45%
CD Concentration	7.7% +0.8% YoY-4.2% QoQ	-16.9%	24.6%	18.8%	20.0%	50%
Indirect Auto %	23.8% +63.9% YoY+15.0% QoQ	+10.1%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#44 of 483 • 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): 15.43%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#3 of 472 • 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): 19.42%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.72% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#82 of 693 • 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): 0.72% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Membership Headwinds

decline

#113 of 549 • 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): -5.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#183 of 476 • 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): 5.02%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 23.77%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -5.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | New qualifier

Stagnation Risk

risk

#267 of 549 • 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): -5.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 19.42%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.10%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | 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 1024 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 15.43%

Peer Median: 3.53%

#34 of 1024 Top 3.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 19.42%

Peer Median: 3.02%

#37 of 1024 Top 3.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.65%

Peer Median: 23.39%

#74 of 1024 Top 7.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.62%

Peer Median: 3.67%

#84 of 1024 Top 8.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.66%

Peer Median: 0.75%

#92 of 1024 Top 8.9% in 100M-500M tier

199

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: 0.34%

#199 of 1024 Top 19.3% in 100M-500M tier

236

Efficiency Ratio

profitability

Value: 68.60%

Peer Median: 77.26%

#236 of 1024 Top 22.9% in 100M-500M tier

Top Weaknesses (2 metrics)

934

Member Growth Rate

growth

Value: -5.45%

Peer Median: -0.03%

#934 of 1024 Bottom 8.9% in 100M-500M tier

795

Indirect Auto Concentration (%)

balance_sheet

Value: 23.77%

Peer Median: 6.15%

#795 of 1024 Bottom 22.5% in 100M-500M tier