BlastPoint's Credit Union Scorecard
TEAM ONE
Charter #62141 · MI
TEAM ONE has 3 strengths but faces 11 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.0% in tier
- + Net Interest Margin 0.11% above tier average
- + AMR Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 3.7% in tier
- - Stagnation Risk: Bottom 6.9% in tier
- - Credit Quality Pressure: Bottom 23.9% in tier
- - Credit Risk Growth: Bottom 24.5% in tier
- - Efficiency Drag: Bottom 28.4% in tier
- - Indirect Auto Dependency: Bottom 28.6% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 7.11% above tier (higher cost structure)
- - Member decline: -7.7% YoY
- - Total Assets: Bottom 1.8% in tier
- - Member Growth Rate: Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,504
-7.7% YoY-0.0% QoQ
|
-4.6K |
52,114
-2.1% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$751.8M
+1.9% YoY-1.6% QoQ
|
$-107.2M |
$859.0M
+0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.9% in tier |
| Loans |
$520.0M
+4.5% YoY+3.0% QoQ
|
$-83.3M |
$603.4M
+1.0% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$671.3M
+1.2% YoY-1.9% QoQ
|
$-62.9M |
$734.2M
+0.9% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
0.5%
+176.1% YoY+29.0% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
3.5%
+16.4% YoY+4.3% QoQ
|
+0.1% |
3.4%
+9.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
81.6%
-11.1% YoY+0.5% QoQ
|
+7.1% |
74.5%
-3.2% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.7%
+8.0% YoY+9.8% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
77.5%
+3.2% YoY+5.1% QoQ
|
-5.2% |
82.7%
+0.1% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$25,078
+11.2% YoY+0.2% QoQ
|
$-4K |
$28,651
+2.5% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
28.4%
-4.6% YoY-3.0% QoQ
|
+4.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
66% |
| Indirect Auto % |
15.7%
+17.2% YoY+5.4% QoQ
|
+1.8% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
63% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)