BlastPoint's Credit Union Scorecard

WMCU

Charter #62347 · MI

100M-500M
1024 CUs in 100M-500M nationally 68 in MI

WMCU has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?
MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.25% above tier average
  • + Net Interest Margin 0.84% above tier average
  • + Total Assets: Top 4.4% in tier
  • + Total Deposits: Top 6.5% in tier
  • + Total Members: Top 7.1% in tier
  • + Net Worth Ratio: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 50.0% in tier
  • - Stagnation Risk: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Member decline: -6.7% YoY
  • - Loan Growth Rate: Bottom 4.9% in tier
  • - Member Growth Rate: Bottom 6.2% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
  • Shares and deposits +1.0% year over year ($373M in shares and deposits).
  • Membership: 29,047 members, -6.7% vs a year ago.
  • Delinquency rate 0.92%.
  • Return on assets 1.12%.
  • Efficiency ratio 75.52% vs a 76.73% peer average.
  • Loan-to-share ratio 55.12% vs a 71.54% 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 29,047
-6.7% YoY-0.5% QoQ
 +13.9K 15,168
-2.6% YoY
 36,289
+5.9% YoY
 34,678
+6.6% YoY
 Top 7.2% in tier
Assets $455.3M
+1.6% YoY+1.4% QoQ
 +$223.3M $232.0M
+0.7% YoY
 $717.2M
+13.9% YoY
 $593.1M
+10.2% YoY
 Top 4.5% in tier
Loans $205.8M
-7.2% YoY-0.4% QoQ
 +$59.5M $146.3M
+0.2% YoY
 $498.6M
+13.7% YoY
 $418.6M
+10.1% YoY
 77%
Deposits $373.3M
+1.0% YoY+1.5% QoQ
 +$172.6M $200.7M
+0.2% YoY
 $610.4M
+14.2% YoY
 $504.8M
+10.3% YoY
 Top 6.6% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.1%
-11.9% YoY+6.3% QoQ
 +0.3% 0.9%
+12.5% YoY
 1.0%
+47.3% YoY
 1.2%
+121.4% YoY
 71%
NIM 4.5%
+3.3% YoY+0.5% QoQ
 +0.8% 3.7%
+4.5% YoY
 3.8%
+4.4% YoY
 3.8%
+2.3% YoY
 Top 10.4% in tier
Efficiency Ratio 75.5%
-0.0% YoY-1.5% QoQ
 -1.2% 76.7%
-0.8% YoY
 74.6%
-8.6% YoY
 83.0%
-5.3% YoY
 43%
Delinquency Rate 0.9%
-41.7% YoY-20.0% QoQ
 +0.0 0.9%
+6.6% YoY
 0.9%
+9.0% YoY
 1.3%
+2.6% YoY
 65%
Loan To Share 55.1%
-8.1% YoY-1.8% QoQ
 -16.4% 71.5%
-0.3% YoY
 66.6%
+0.6% YoY
 66.4%
-1.4% YoY
 17%
AMR $19,937
+4.9% YoY+1.3% QoQ
 $-5K $25,107
+3.2% YoY
 $23,154
+6.0% YoY
 $20,028
-0.9% YoY
 31%
CD Concentration 16.3%
+17.8% YoY+3.5% QoQ
 -8.3% 24.6% 18.8% 20.0% 50%
Indirect Auto % 7.7%
-35.4% YoY-11.4% QoQ
 -5.9% 13.6% 11.7% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Institutional Decline

decline
#7 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $455.35M
(Tier: $336.17M, National: $593.11M)
but better than tier avg
Member Growth (YoY): -6.65%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -7.22%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally
↓ Shrinking -49 CUs YoY | New qualifier

Stagnation Risk

risk
#25 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -6.65%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -7.22%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Rate: 0.92%
(Tier: 0.87%, National: 1.26%)
worse than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline
#82 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.65%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | New qualifier

Liquidity Overhang

risk
#52 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.32%
(Tier: 12.53%, National: 14.66%)
but better than tier avg
Loan-to-Share Ratio: 55.12%
(Tier: 73.56%, National: 66.39%)
worse than tier avg
130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally
↑ Growing +7 CUs YoY | Rank improving

Margin Compression

decline
#90 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 1.27%
(Tier: 0.75%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.15% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally
→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

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)

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

46
Total Assets
balance_sheet
Value: $455.35M
Peer Median: $196.38M
#46 of 1024 Top 4.4% in 100M-500M tier
68
Total Deposits
balance_sheet
Value: $373.32M
Peer Median: $170.77M
#68 of 1024 Top 6.5% in 100M-500M tier
74
Total Members
engagement
Value: 29,047
Peer Median: 13,128
#74 of 1024 Top 7.1% in 100M-500M tier
77
Net Worth Ratio
risk
Value: 17.32%
Peer Median: 11.71%
#77 of 1024 Top 7.4% in 100M-500M tier
107
Net Interest Margin (NIM)
profitability
Value: 4.52%
Peer Median: 3.67%
#107 of 1024 Top 10.4% in 100M-500M tier
239
Total Loans
balance_sheet
Value: $205.78M
Peer Median: $124.04M
#239 of 1024 Top 23.2% in 100M-500M tier

Top Weaknesses (6 metrics)

975
Loan Growth Rate
growth
Value: -7.22%
Peer Median: 3.02%
#975 of 1024 Bottom 4.9% in 100M-500M tier
961
Member Growth Rate
growth
Value: -6.65%
Peer Median: -0.03%
#961 of 1024 Bottom 6.2% in 100M-500M tier
920
Net Charge-Off Rate
risk
Value: 0.98%
Peer Median: 0.34%
#920 of 1024 Bottom 10.3% in 100M-500M tier
874
Members Per Employee (MPE)
engagement
Value: 236.154
Peer Median: 310.924
#874 of 1024 Bottom 14.7% in 100M-500M tier
846
Loan-to-Share Ratio
balance_sheet
Value: 55.12%
Peer Median: 73.07%
#846 of 1024 Bottom 17.5% in 100M-500M tier
781
Loan-to-Member Ratio (LMR)
engagement
Value: $7,084
Peer Median: $9,434
#781 of 1024 Bottom 23.8% in 100M-500M tier
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