BlastPoint's Credit Union Scorecard

TEAM ONE

Charter #62141 · MI

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MI

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TEAM ONE has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.12% above tier average
+ Net Interest Margin 0.28% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 52.3% in tier
- Credit Risk Growth: Bottom 58.1% in tier
- Membership Headwinds: Bottom 74.5% in tier
- Stagnation Risk: Bottom 74.5% in tier
- Indirect Auto Dependency: Bottom 84.8% in tier
- Efficiency ratio 0.63% above tier (higher cost structure)
- Member decline: -2.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	46,852 -2.2% YoY-1.0% QoQ	-4.6K	51,500 +0.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	38%
Assets	$767.4M -0.3% YoY+0.3% QoQ	$-98.3M	$865.6M +0.9% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Bottom 11.1% in tier
Loans	$509.0M +1.9% YoY-2.5% QoQ	$-86.2M	$595.3M +1.6% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	19%
Deposits	$683.7M -1.3% YoY+0.2% QoQ	$-58.4M	$742.2M +0.6% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	23%

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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	0.9% +1219.6% YoY+69.9% QoQ	+0.1%	0.8% +45.0% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	62%
NIM	3.7% +14.6% YoY+4.7% QoQ	+0.3%	3.5% +6.1% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	76.2% -8.1% YoY-5.1% QoQ	+0.6%	75.5% -3.4% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	0.7% +1.6% YoY+6.8% QoQ	+0.0	0.7% -0.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	63%
Loan To Share	74.5% +3.2% YoY-2.7% QoQ	-6.2%	80.6% +0.7% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	26%
AMR	$25,459 +2.2% YoY-0.0% QoQ	$-3K	$28,908 +0.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	45%
CD Concentration	27.9% -2.7% YoY+0.1% QoQ	+3.6%	24.3%	18.6%	19.8%	64%
Indirect Auto %	15.9% +17.0% YoY-0.1% QoQ	+2.1%	13.8%	11.7%	7.7%	64%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Membership Headwinds

decline

#341 of 570 • Bottom 74.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.17%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#348 of 570 • Bottom 74.5% 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): -2.17%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.87%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.68%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#698 of 727 • Bottom 52.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#487 of 504 • Bottom 84.8% in tier

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

Why This Signature

Asset Growth (YoY): -0.27%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.91%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.17%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Credit Risk Growth

risk

#467 of 476 • Bottom 58.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.87%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

710 nationally

→ No prior data (476 CUs now) | 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 117 peers in tier

Top Strengths (1 metrics)

Fee Income Per Member

profitability

Value: $256.20

Peer Median: $187.56

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (6 metrics)

105

Deposit Growth Rate

growth

Value: -1.32%

Peer Median: 4.60%

#105 of 117 Bottom 11.1% in 750M-1B tier

104

Total Assets

balance_sheet

Value: $767.35M

Peer Median: $858.87M

#104 of 117 Bottom 12.0% in 750M-1B tier

101

Asset Growth Rate

growth

Value: -0.27%

Peer Median: 4.88%

#101 of 117 Bottom 14.5% in 750M-1B tier

Total Loans

balance_sheet

Value: $509.05M

Peer Median: $618.21M

#95 of 117 Bottom 19.7% in 750M-1B tier

Member Growth Rate

growth

Value: -2.17%

Peer Median: 0.97%

#92 of 117 Bottom 22.2% in 750M-1B tier

Total Deposits

balance_sheet

Value: $683.74M

Peer Median: $735.65M

#90 of 117 Bottom 23.9% in 750M-1B tier