BlastPoint's Credit Union Scorecard
DIVERSIFIED MEMBERS
Charter #62339 · MI
DIVERSIFIED MEMBERS has 6 strengths but faces 9 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
- + Organic Growth Leader: Top 26.5% in tier
- + Organic Growth Engine: Top 30.0% in tier
- + Wallet Share Momentum: Top 79.2% in tier
- + Net Interest Margin 0.06% above tier average
- + Asset Growth Rate: Top 4.1% in tier
- + Net Worth Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.2% in tier
- - Efficiency Drag: Bottom 16.2% in tier
- - Credit Risk Growth: Bottom 16.4% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 3.67% above tier (higher cost structure)
- - Delinquency rate 0.95% above tier average
- - Total Deposits: Bottom 5.3% in tier
- - Total Loans: Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,691
+1.2% YoY-0.0% QoQ
|
-9.1K |
39,752
-2.7% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$571.2M
+17.7% YoY+2.7% QoQ
|
$-51.2M |
$622.4M
+0.3% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$273.7M
+1.2% YoY-2.1% QoQ
|
$-162.3M |
$435.9M
-0.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.3% in tier |
| Deposits |
$437.3M
+11.3% YoY+2.8% QoQ
|
$-100.8M |
$538.0M
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.7% in tier |
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| ROA |
0.5%
+31.9% YoY+27.1% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
3.5%
-4.2% YoY+0.2% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
81.8%
-1.6% YoY-1.6% QoQ
|
+3.7% |
78.1%
-3.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
1.7%
+69.4% YoY+46.5% QoQ
|
+0.9 |
0.8%
-4.9% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 8.3% in tier |
| Loan To Share |
62.6%
-9.1% YoY-4.8% QoQ
|
-18.4% |
81.0%
-1.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.1% in tier |
| AMR |
$23,163
+5.9% YoY+0.8% QoQ
|
$-3K |
$26,482
+2.6% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
32.0%
+3.1% YoY+4.3% QoQ
|
+7.6% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
76% |
| Indirect Auto % |
9.0%
-37.7% YoY-10.7% QoQ
|
-5.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
52% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)