BlastPoint's Credit Union Scorecard
TEAM ONE
Charter #62141 · MI
TEAM ONE has 1 strength but faces 8 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 0.26% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 76.0% in tier
- - Stagnation Risk: Bottom 76.0% in tier
- - Flatlined Growth: Bottom 81.9% in tier
- - Indirect Auto Dependency: Bottom 81.9% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 3.71% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Deposit Growth Rate: Bottom 7.2% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 7 that size in Michigan.
- Shares and deposits -0.6% year over year ($680M in shares and deposits).
- Membership: 46,443 members, -2.3% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 0.78%.
- Efficiency ratio 78.25% vs a 74.54% peer average.
- Loan-to-share ratio 75.45% vs a 82.60% 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 |
46,443
-2.3% YoY-0.9% QoQ
|
-6.0K |
52,482
+1.3% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$765.9M
+0.3% YoY-0.2% QoQ
|
$-98.0M |
$863.9M
+0.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.2% in tier |
| Loans |
$513.4M
+1.7% YoY+0.9% QoQ
|
$-94.3M |
$607.8M
+2.1% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$680.5M
-0.6% YoY-0.5% QoQ
|
$-59.4M |
$739.9M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.8%
+122.5% YoY-11.4% QoQ
|
-0.1% |
0.8%
+30.4% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.8%
+12.8% YoY+1.1% QoQ
|
+0.3% |
3.5%
+6.2% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
78.2%
-3.7% YoY+2.7% QoQ
|
+3.7% |
74.5%
-1.4% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.6%
-1.7% YoY-5.3% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
75.5%
+2.3% YoY+1.3% QoQ
|
-7.1% |
82.6%
+1.9% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$25,707
+2.7% YoY+1.0% QoQ
|
$-3K |
$28,702
+0.4% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
28.6%
-2.4% YoY+2.5% QoQ
|
+4.0% | 24.6% | 18.8% | 20.0% | 66% |
| Indirect Auto % |
16.2%
+8.3% YoY+1.6% QoQ
|
+2.5% | 13.6% | 11.7% | 7.7% | 66% |
Signature Analysis
Strengths (0)
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)