BlastPoint's Credit Union Scorecard

WMCU

Charter #62347 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

WMCU has 8 strengths but faces 6 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

+ Organic Growth Engine: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.32% above tier average
+ Net Interest Margin 0.60% above tier average
+ Strong member growth: 66.4% YoY
+ Asset Growth Rate: Top 0.1% in tier
+ Loan Growth Rate: Top 0.1% in tier
+ Deposit Growth Rate: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.66% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	29,677 +66.4% YoY-2.4% QoQ	+14.2K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Top 7.4% in tier
Assets	$441.9M +75.1% YoY+1.0% QoQ	+$210.1M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 5.6% in tier
Loans	$212.7M +87.8% YoY-2.8% QoQ	+$65.4M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	79%
Deposits	$360.5M +80.7% YoY+0.9% QoQ	+$159.7M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 8.7% 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% -40.2% YoY-0.0% QoQ	+0.3%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	72%
NIM	4.2% +3.4% YoY+6.3% QoQ	+0.6%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	82%
Efficiency Ratio	74.2% +17.3% YoY-0.8% QoQ	-2.8%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	1.5% +156.0% YoY+7.5% QoQ	+0.7	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	Bottom 12.6% in tier
Loan To Share	59.0% +3.9% YoY-3.6% QoQ	-13.2%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	21%
AMR	$19,316 +10.1% YoY+2.0% QoQ	$-5K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	29%
CD Concentration	15.8% +61.6% YoY+0.2% QoQ	-8.6%	24.4%	18.6%	19.8%	50%
Indirect Auto %	9.5% -43.5% YoY-10.7% QoQ	-4.3%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#45 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 66.37%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.08%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 9.49%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#139 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.15%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#2 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 87.78%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.94% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#45 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.94% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Margin Compression

decline

#13 of 123 • 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: 1.08%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.80%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.72% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Cost Spiral

risk

#6 of 46 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.92% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.12%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Overhang

risk

#53 of 135 • 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: 17.27%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 59.01%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (12 metrics)

Asset Growth Rate

growth

Value: 75.13%

Peer Median: -

#2 of 1069 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 87.78%

Peer Median: -

#2 of 1069 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 80.68%

Peer Median: -

#2 of 1069 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 66.37%

Peer Median: -

#3 of 1069 Top 0.2% in 100M-500M tier

Total Assets

balance_sheet

Value: $441.93M

Peer Median: -

#60 of 1069 Top 5.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.27%

Peer Median: -

#73 of 1069 Top 6.7% in 100M-500M tier

Total Members

engagement

Value: 29,677

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $360.51M

Peer Median: -

#93 of 1069 Top 8.6% in 100M-500M tier

112

AMR Growth Rate

growth

Value: 10.15%

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

191

Net Interest Margin (NIM)

profitability

Value: 4.21%

Peer Median: -

#191 of 1069 Top 17.8% in 100M-500M tier

Top Weaknesses (5 metrics)

935

Total Delinquency Rate (60+ days)

risk

Value: 1.55%

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier

897

Net Charge-Off Rate

risk

Value: 0.78%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

881

Members Per Employee (MPE)

engagement

Value: 245.264

Peer Median: -

#881 of 1069 Bottom 17.7% in 100M-500M tier

845

Loan-to-Share Ratio

balance_sheet

Value: 59.01%

Peer Median: -

#845 of 1069 Bottom 21.0% in 100M-500M tier

808

Loan-to-Member Ratio (LMR)

engagement

Value: $7,168

Peer Median: -

#808 of 1069 Bottom 24.5% in 100M-500M tier