BlastPoint's Credit Union Scorecard

U.P. STATE

Charter #62085 · MI

1077 CUs in 100M-500M nationally 67 in MI

U.P. STATE has 4 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

+ Profitability Leader: Top 97.6% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 1.04% above tier average
+ Share Certificate Concentration (%): Top 7.1% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 6.7% in tier
- Cost Spiral: Bottom 8.6% in tier
- Indirect Auto Dependency: Bottom 30.5% in tier
- Efficiency ratio 1.96% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	15,409 +0.3% YoY+0.9% QoQ	-219	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	59%
Assets	$202.4M +2.0% YoY+1.0% QoQ	$-28.9M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	51%
Loans	$119.5M +7.9% YoY+3.2% QoQ	$-28.3M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	47%
Deposits	$176.2M +1.4% YoY-0.6% QoQ	$-24.1M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	51%

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	1.1% -35.9% YoY+55.7% QoQ	+0.3%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	74%
NIM	4.6% +11.9% YoY+1.4% QoQ	+1.0%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 7.0% in tier
Efficiency Ratio	79.2% +16.0% YoY-8.3% QoQ	+2.0%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	57%
Delinquency Rate	0.5% -14.5% YoY+19.0% QoQ	-0.4	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	33%
Loan To Share	67.8% +6.5% YoY+3.8% QoQ	-4.9%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	36%
AMR	$19,187 +3.6% YoY+0.0% QoQ	$-5K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	30%
CD Concentration	7.4% -16.8% YoY-2.7% QoQ	-17.0%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.1% +45.6% YoY+17.9% QoQ	+3.1%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#332 of 340 • Top 97.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.13%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.63% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (3)

Margin Compression

decline

#29 of 136 • Bottom 6.7% 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: 1.13%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.76%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.63% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk

#22 of 62 • Bottom 8.6% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.95% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 62.36%

(Tier: 59.95%, National: 63.68%)

worse than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#490 of 525 • Bottom 30.5% in tier

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

Why This Signature

Asset Growth (YoY): 2.01%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.10%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.29%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.63%

Peer Avg: -

#75 of 1077 Top 6.9% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.38%

Peer Avg: -

#78 of 1077 Top 7.1% in 100M-500M tier

203

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#203 of 1077 Top 18.8% in 100M-500M tier

246

Loan Growth Rate

growth

Value: 7.94%

Peer Avg: -

#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (1 metrics)

852

Members Per Employee (MPE)

engagement

Value: 256.817

Peer Avg: -

#852 of 1077 Bottom 21.0% in 100M-500M tier