BlastPoint's Credit Union Scorecard

MARSHALL COMMUNITY

Charter #62160 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

MARSHALL COMMUNITY has 6 strengths but faces 3 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.07% above tier average
+ Net Interest Margin 0.45% above tier average
+ Fee Income Per Member: Top 1.6% in tier
+ Net Worth Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.46% above tier average
- Members Per Employee (MPE): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	16,373 +2.9% YoY+0.5% QoQ	+1.2K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	65%
Assets	$369.6M +7.0% YoY+2.2% QoQ	+$137.9M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	85%
Loans	$239.9M +0.1% YoY-0.4% QoQ	+$95.8M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Top 15.0% in tier
Deposits	$306.3M +6.0% YoY+2.6% QoQ	+$105.1M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.8% +31.9% YoY+26.1% QoQ	+1.1%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 6.1% in tier
NIM	4.1% +6.3% YoY+0.1% QoQ	+0.5%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	64.4% -7.0% YoY-6.2% QoQ	-13.6%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Top 13.9% in tier
Delinquency Rate	1.2% -3.2% YoY-27.8% QoQ	+0.5	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	84%
Loan To Share	78.3% -5.5% YoY-2.9% QoQ	+7.9%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	64%
AMR	$33,359 +0.4% YoY+0.8% QoQ	+$8K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Top 11.9% in tier
CD Concentration	24.6% -1.1% YoY-2.4% QoQ	+0.3%	24.3%	18.6%	19.8%	50%
Indirect Auto %	3.9% -6.8% YoY-1.1% QoQ	-9.9%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#75 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.92%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.79%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 3.87%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#158 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.92%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.87%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk

#105 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.67%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 78.33%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (12 metrics)

Fee Income Per Member

profitability

Value: $410.74

Peer Median: $154.95

#18 of 1070 Top 1.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.79%

Peer Median: 0.69%

#65 of 1070 Top 6.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.67%

Peer Median: 11.45%

#90 of 1070 Top 8.3% in 100M-500M tier

122

Loan-to-Member Ratio (LMR)

engagement

Value: $14,652

Peer Median: $9,356

#122 of 1070 Top 11.3% in 100M-500M tier

127

Average Member Relationship (AMR)

engagement

Value: $33,359

Peer Median: $22,931

#127 of 1070 Top 11.8% in 100M-500M tier

150

Efficiency Ratio

profitability

Value: 64.41%

Peer Median: 78.68%

#150 of 1070 Top 13.9% in 100M-500M tier

160

Total Loans

balance_sheet

Value: $239.90M

Peer Median: $121.41M

#160 of 1070 Top 14.9% in 100M-500M tier

162

Total Assets

balance_sheet

Value: $369.58M

Peer Median: $196.57M

#162 of 1070 Top 15.0% in 100M-500M tier

192

Total Deposits

balance_sheet

Value: $306.28M

Peer Median: $171.29M

#192 of 1070 Top 17.9% in 100M-500M tier

218

Member Growth Rate

growth

Value: 2.92%

Peer Median: -0.06%

#218 of 1070 Top 20.3% in 100M-500M tier

Top Weaknesses (4 metrics)

972

Members Per Employee (MPE)

engagement

Value: 221.257

Peer Median: 309.176

#972 of 1070 Bottom 9.3% in 100M-500M tier

940

First Mortgage Concentration (%)

balance_sheet

Value: 51.43%

Peer Median: 29.47%

#940 of 1070 Bottom 12.2% in 100M-500M tier

898

Total Delinquency Rate (60+ days)

risk

Value: 1.23%

Peer Median: 0.61%

#898 of 1070 Bottom 16.2% in 100M-500M tier

818

AMR Growth Rate

growth

Value: 0.39%

Peer Median: 3.46%

#818 of 1070 Bottom 23.6% in 100M-500M tier