BlastPoint's Credit Union Scorecard
DIVERSIFIED MEMBERS
Charter #62339 · MI
DIVERSIFIED MEMBERS has 5 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 55.3% in tier
- + Organic Growth Engine: Top 79.1% in tier
- + Net Interest Margin 0.06% above tier average
- + Asset Growth Rate: Top 4.2% in tier
- + Net Worth Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.3% in tier
- - Credit Risk Growth: Bottom 44.8% in tier
- - Efficiency Drag: Bottom 61.5% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 4.53% above tier (higher cost structure)
- - Delinquency rate 0.97% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- - Total Loans: Bottom 6.7% in tier
- - Total Deposits: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,023
+2.3% YoY+1.1% QoQ
|
-7.6K |
38,575
-4.8% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$581.0M
+16.6% YoY+1.7% QoQ
|
$-40.7M |
$621.7M
+0.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$273.2M
+2.5% YoY-0.2% QoQ
|
$-156.6M |
$429.8M
-1.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.1% in tier |
| Deposits |
$446.0M
+9.9% YoY+2.0% QoQ
|
$-92.8M |
$538.7M
+0.6% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.5% in tier |
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| ROA |
0.5%
+37.5% YoY-8.8% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.5%
-1.8% YoY+0.3% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
82.0%
-3.0% YoY+0.3% QoQ
|
+4.5% |
77.5%
-4.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.8%
+45.9% YoY+3.8% QoQ
|
+1.0 |
0.8%
-1.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 6.7% in tier |
| Loan To Share |
61.3%
-6.7% YoY-2.1% QoQ
|
-18.6% |
79.8%
-2.3% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.9% in tier |
| AMR |
$23,181
+4.6% YoY+0.1% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
33.6%
+0.7% YoY+5.0% QoQ
|
+9.2% | 24.4% | 18.6% | 19.8% | 80% |
| Indirect Auto % |
7.9%
-40.3% YoY-12.0% QoQ
|
-5.9% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)