BlastPoint's Credit Union Scorecard
DIVERSIFIED MEMBERS
Charter #62339 · MI
DIVERSIFIED MEMBERS has 6 strengths 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
- + Wallet Share Momentum: Top 20.5% in tier
- + Organic Growth Leader: Top 29.6% in tier
- + Organic Growth Engine: Top 29.6% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 2.4% in tier
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.6% in tier
- - Credit Quality Pressure: Bottom 10.4% in tier
- - Credit Risk Growth: Bottom 57.6% in tier
- - ROA 0.69% below tier average
- - Efficiency ratio 13.94% above tier (higher cost structure)
- - Delinquency rate 0.82% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
- - Total Loans: Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,290
+2.0% YoY+0.9% QoQ
|
-6.8K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$595.5M
+13.2% YoY+2.5% QoQ
|
$-24.2M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$266.9M
+2.0% YoY-2.3% QoQ
|
$-152.4M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.6% in tier |
| Deposits |
$462.0M
+13.9% YoY+3.6% QoQ
|
$-77.5M |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
0.0%
-99.7% YoY-99.8% QoQ
|
-0.7% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.6% in tier |
| NIM |
3.5%
-1.3% YoY-0.3% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
92.3%
+7.8% YoY+12.5% QoQ
|
+13.9% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
1.5%
+41.1% YoY-15.7% QoQ
|
+0.8 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.0% in tier |
| Loan To Share |
57.8%
-10.5% YoY-5.7% QoQ
|
-19.9% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.0% in tier |
| AMR |
$23,294
+7.0% YoY+0.5% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
34.8%
+8.2% YoY+3.5% QoQ
|
+10.5% | 24.3% | 18.6% | 19.8% | 85% |
| Indirect Auto % |
7.0%
-42.8% YoY-11.8% QoQ
|
-6.8% | 13.8% | 11.7% | 7.7% | 48% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). 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.
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)