BlastPoint's Credit Union Scorecard
PREFERRED
Charter #62340 · MI
PREFERRED has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 33.5% in tier
- + Profitability Leader: Top 96.2% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 13.7% in tier
- - Indirect Auto Dependency: Bottom 14.6% in tier
- - Credit Risk Growth: Bottom 19.4% in tier
- - Membership Headwinds: Bottom 19.4% in tier
- - Credit Quality Pressure: Bottom 22.7% in tier
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,620
-2.0% YoY-0.5% QoQ
|
+8.0K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$304.9M
+6.4% YoY-1.2% QoQ
|
+$73.6M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$161.7M
+7.6% YoY+1.5% QoQ
|
+$13.9M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$260.6M
+6.0% YoY-2.0% QoQ
|
+$60.4M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
73% |
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| ROA |
1.1%
+11.3% YoY+1.5% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.7%
+3.7% YoY+1.4% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
75.3%
-3.1% YoY-1.0% QoQ
|
-2.0% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.5%
+15.4% YoY+1.7% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
62.0%
+1.5% YoY+3.5% QoQ
|
-10.7% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$17,880
+8.9% YoY-0.2% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
26.5%
+8.8% YoY+1.0% QoQ
|
+2.1% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.4%
-19.0% YoY-3.5% QoQ
|
+5.5% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)