BlastPoint's Credit Union Scorecard

AAC

Charter #62217 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

AAC has 3 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.75% above tier average
+ Net Worth Ratio: Top 0.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 6.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	14,960 +1.6% YoY-0.3% QoQ	-477	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	58%
Assets	$205.5M +5.4% YoY+0.4% QoQ	$-26.4M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	52%
Loans	$121.0M -1.6% YoY-1.1% QoQ	$-26.4M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	48%
Deposits	$154.4M +4.6% YoY+0.5% QoQ	$-46.4M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	43%

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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	1.5% +29.0% YoY-4.8% QoQ	+0.8%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Top 10.7% in tier
NIM	3.6% +15.0% YoY+1.2% QoQ	+0.0%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	49%
Efficiency Ratio	68.1% -7.0% YoY+1.8% QoQ	-8.9%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.6% -24.1% YoY+8.6% QoQ	-0.3	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	37%
Loan To Share	78.4% -5.9% YoY-1.6% QoQ	+6.1%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	59%
AMR	$18,407 +0.2% YoY+0.1% QoQ	$-6K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	24%
CD Concentration	41.1% -1.1% YoY+0.4% QoQ	+16.6%	24.4%	18.6%	19.8%	50%
Indirect Auto %	16.2% -11.9% YoY-1.4% QoQ	+2.4%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#96 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.51%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.62%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Liquidity Overhang

risk

#36 of 135 • 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: 24.22%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 78.36%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Indirect Auto Dependency

risk

#452 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 5.42%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 16.24%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.62%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 24.22%

Peer Median: -

#10 of 1069 Top 0.8% in 100M-500M tier

114

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Median: -

#114 of 1069 Top 10.6% in 100M-500M tier

217

Efficiency Ratio

profitability

Value: 68.15%

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1002

Share Certificate Concentration (%)

balance_sheet

Value: 41.05%

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

892

First Mortgage Concentration (%)

balance_sheet

Value: 47.68%

Peer Median: -

#892 of 1069 Bottom 16.7% in 100M-500M tier

856

AMR Growth Rate

growth

Value: 0.16%

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier

818

Average Member Relationship (AMR)

engagement

Value: $18,407

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier

804

Loan Growth Rate

growth

Value: -1.55%

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier