BlastPoint's Credit Union Scorecard
THORNAPPLE
Charter #62196 · MI
THORNAPPLE has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.98% above tier average
- + Total Loans: Top 1.7% in tier
- + Total Members: Top 2.7% in tier
- + Fee Income Per Member: Top 5.1% in tier
- + Total Deposits: Top 6.6% in tier
- + Asset Growth Rate: Top 7.7% in tier
- + Total Assets: Top 8.0% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Indirect Auto Concentration (%): Bottom 4.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +9.1% year over year ($70.5M in shares and deposits).
- Membership: 8,550 members, +2.7% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 1.15%.
- Efficiency ratio 82.60% vs a 88.77% peer average.
- Loan-to-share ratio 86.35% vs a 58.89% 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 |
8,550
+2.7% YoY+0.8% QoQ
|
+6.0K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 2.7% in tier |
| Assets |
$79.2M
+9.7% YoY+1.0% QoQ
|
+$48.9M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 8.0% in tier |
| Loans |
$60.9M
+4.1% YoY+1.5% QoQ
|
+$45.4M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Top 1.8% in tier |
| Deposits |
$70.5M
+9.1% YoY+0.4% QoQ
|
+$44.7M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 6.7% in tier |
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| ROA |
1.1%
+17.0% YoY+37.6% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.9%
-0.7% YoY+3.1% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
82.6%
-2.7% YoY-3.9% QoQ
|
-6.2% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
0.6%
+3.1% YoY+21.6% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
86.4%
-4.5% YoY+1.2% QoQ
|
+27.5% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Top 12.7% in tier |
| AMR |
$15,370
+3.9% YoY+0.1% QoQ
|
+$407 |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
17.4%
+34.1% YoY-13.9% QoQ
|
-7.2% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
24.0%
-2.9% YoY-0.6% QoQ
|
+10.4% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)