BlastPoint's Credit Union Scorecard
DIVERSIFIED MEMBERS
Charter #62339 · MI
DIVERSIFIED MEMBERS 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 Worth Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.4% in tier
- - Credit Quality Pressure: Bottom 9.5% in tier
- - Institutional Decline: Bottom 16.7% in tier
- - Stagnation Risk: Bottom 58.1% in tier
- - Membership Headwinds: Bottom 58.1% in tier
- - ROA 0.77% below tier average
- - Efficiency ratio 14.48% above tier (higher cost structure)
- - Delinquency rate 0.93% above tier average
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in Michigan.
- Shares and deposits +7.1% year over year ($456M in shares and deposits).
- Membership: 30,531 members, -0.5% vs a year ago.
- Delinquency rate 1.73%.
- Return on assets 0.05%.
- Efficiency ratio 91.04% vs a 76.56% peer average.
- Loan-to-share ratio 57.50% vs a 79.33% 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 |
30,531
-0.5% YoY-2.4% QoQ
|
-7.4K |
37,897
-5.0% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$588.5M
+5.8% YoY-1.2% QoQ
|
$-33.9M |
$622.4M
+0.6% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$261.9M
-6.3% YoY-1.8% QoQ
|
$-166.6M |
$428.5M
-0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.1% in tier |
| Deposits |
$455.6M
+7.1% YoY-1.4% QoQ
|
$-84.2M |
$539.8M
+0.9% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-87.4% YoY
|
-0.8% |
0.8%
+39.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.8% in tier |
| NIM |
3.5%
+1.0% YoY+0.7% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
91.0%
+9.6% YoY-1.4% QoQ
|
+14.5% |
76.6%
-3.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
1.7%
+45.4% YoY+13.5% QoQ
|
+0.9 |
0.8%
+3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
57.5%
-12.5% YoY-0.5% QoQ
|
-21.8% |
79.3%
-1.4% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.1% in tier |
| AMR |
$23,501
+2.3% YoY+0.9% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
35.2%
+14.8% YoY+1.3% QoQ
|
+10.7% | 24.6% | 18.8% | 20.0% | 84% |
| Indirect Auto % |
6.1%
-40.0% YoY-13.4% QoQ
|
-7.6% | 13.6% | 11.7% | 7.7% | 47% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)