BlastPoint's Credit Union Scorecard

WMCU

Charter #62347 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

WMCU has 8 strengths but faces 7 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 0.87% above tier average
+ Strong member growth: 66.5% YoY
+ Asset Growth Rate: Top 0.1% in tier
+ Deposit Growth Rate: Top 0.1% in tier
+ Loan 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 0.38% above tier average
- Net Charge-Off Rate: Bottom 7.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	29,196 +66.5% YoY-1.6% QoQ	+14.1K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Top 7.0% in tier
Assets	$449.2M +72.5% YoY+1.6% QoQ	+$217.5M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Top 4.8% in tier
Loans	$206.5M +93.6% YoY-2.9% QoQ	+$62.4M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	78%
Deposits	$367.9M +79.5% YoY+2.1% QoQ	+$166.8M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Top 7.6% 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	1.0% -43.6% YoY-2.6% QoQ	+0.3%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	72%
NIM	4.5% +11.2% YoY+7.0% QoQ	+0.9%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 9.9% in tier
Efficiency Ratio	76.7% +23.7% YoY+3.3% QoQ	-1.4%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	1.2% +281.1% YoY-25.5% QoQ	+0.4	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	82%
Loan To Share	56.1% +7.9% YoY-4.9% QoQ	-14.3%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	20%
AMR	$19,676 +10.7% YoY+1.9% QoQ	$-5K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	30%
CD Concentration	15.7% +86.2% YoY-0.3% QoQ	-8.5%	24.3%	18.6%	19.8%	50%
Indirect Auto %	8.7% -43.4% YoY-8.4% QoQ	-5.1%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#50 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 66.48%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.05%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 8.69%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#102 of 491 • 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): 10.72%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#3 of 476 • 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): 93.64%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.85% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#40 of 727 • 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): 0.85% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Margin Compression

decline

#13 of 133 • 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: 1.05%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.86%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.81% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Cost Spiral

risk

#9 of 83 • 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: 14.70% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 58.33%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Liquidity Overhang

risk

#54 of 126 • 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: 17.26%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 56.13%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (12 metrics)

Asset Growth Rate

growth

Value: 72.47%

Peer Median: 3.91%

#1 of 1070 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 79.48%

Peer Median: 3.30%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 93.64%

Peer Median: 2.93%

#2 of 1070 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 66.48%

Peer Median: -0.06%

#3 of 1070 Top 0.2% in 100M-500M tier

Total Assets

balance_sheet

Value: $449.21M

Peer Median: $196.57M

#51 of 1070 Top 4.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.26%

Peer Median: 11.45%

#73 of 1070 Top 6.7% in 100M-500M tier

Total Members

engagement

Value: 29,196

Peer Median: 13,200

#75 of 1070 Top 6.9% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.72%

Peer Median: 3.46%

#81 of 1070 Top 7.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $367.94M

Peer Median: $171.29M

#81 of 1070 Top 7.5% in 100M-500M tier

106

Net Interest Margin (NIM)

profitability

Value: 4.50%

Peer Median: 3.62%

#106 of 1070 Top 9.8% in 100M-500M tier

Top Weaknesses (5 metrics)

996

Net Charge-Off Rate

risk

Value: 1.24%

Peer Median: 0.35%

#996 of 1070 Bottom 7.0% in 100M-500M tier

900

Members Per Employee (MPE)

engagement

Value: 241.289

Peer Median: 309.176

#900 of 1070 Bottom 16.0% in 100M-500M tier

875

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Median: 0.61%

#875 of 1070 Bottom 18.3% in 100M-500M tier

855

Loan-to-Share Ratio

balance_sheet

Value: 56.13%

Peer Median: 71.88%

#855 of 1070 Bottom 20.2% in 100M-500M tier

812

Loan-to-Member Ratio (LMR)

engagement

Value: $7,074

Peer Median: $9,356

#812 of 1070 Bottom 24.2% in 100M-500M tier