BlastPoint's Credit Union Scorecard
TEAM ONE
Charter #62141 · MI
TEAM ONE has 1 strength but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 60.0% in tier
- - Efficiency Drag: Bottom 76.7% in tier
- - Stagnation Risk: Bottom 77.4% in tier
- - Indirect Auto Dependency: Bottom 93.9% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 5.92% above tier (higher cost structure)
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,319
-2.1% YoY-0.4% QoQ
|
-4.8K |
52,084
-1.6% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$765.3M
+2.0% YoY+1.8% QoQ
|
$-98.6M |
$863.9M
+0.5% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.3% in tier |
| Loans |
$522.3M
+3.9% YoY+0.4% QoQ
|
$-83.5M |
$605.8M
+1.4% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$682.6M
+1.1% YoY+1.7% QoQ
|
$-54.7M |
$737.3M
+0.1% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
22% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+37.1% YoY+14.6% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.6%
+15.9% YoY+2.2% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
80.3%
-9.4% YoY-1.7% QoQ
|
+5.9% |
74.3%
-3.6% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.6%
-7.6% YoY-11.5% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
76.5%
+2.7% YoY-1.2% QoQ
|
-6.0% |
82.6%
+1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$25,464
+4.5% YoY+1.5% QoQ
|
$-3K |
$28,873
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
27.8%
-7.8% YoY-1.9% QoQ
|
+3.4% | 24.4% | 18.6% | 19.8% | 63% |
| Indirect Auto % |
15.9%
+20.4% YoY+1.3% QoQ
|
+2.1% | 13.8% | 11.8% | 7.8% | 64% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)