BlastPoint's Credit Union Scorecard

TRI-CITIES

Charter #62508 · MI

<100M

2508 CUs in <100M nationally 56 in MI

TRI-CITIES has 1 strength but faces 1 concern

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 0.85% above tier average

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	3,597 -1.5% YoY+0.5% QoQ	+920	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	75%
Assets	$51.3M -0.2% YoY+1.4% QoQ	+$21.1M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	78%
Loans	$29.7M -2.3% YoY-1.7% QoQ	+$14.4M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	83%
Deposits	$44.0M -1.2% YoY+1.6% QoQ	+$18.2M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	78%

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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% +39.7% YoY-10.3% QoQ	+0.9%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	69%
NIM	3.5% +9.4% YoY+1.2% QoQ	-0.5%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	75.0% -1.9% YoY+2.4% QoQ	-15.7%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.1% -38.6% YoY-73.6% QoQ	-1.4	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	18%
Loan To Share	67.5% -1.0% YoY-3.2% QoQ	+9.0%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	64%
AMR	$20,480 -0.1% YoY-0.3% QoQ	+$6K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	80%
CD Concentration	13.1% -13.0% YoY-3.7% QoQ	-11.2%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.9% -15.1% YoY-7.6% QoQ	-12.9%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

402

Loan-to-Member Ratio (LMR)

engagement

Value: $8,255

Peer Median: $4,923

#402 of 2508 Top 16.0% in <100M tier

435

Total Loans

balance_sheet

Value: $29.69M

Peer Median: $9.48M

#435 of 2508 Top 17.3% in <100M tier

445

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.65%

#445 of 2508 Top 17.7% in <100M tier

461

Fee Income Per Member

profitability

Value: $126.35

Peer Median: $60.42

#461 of 2508 Top 18.3% in <100M tier

508

Average Member Relationship (AMR)

engagement

Value: $20,480

Peer Median: $13,926

#508 of 2508 Top 20.2% in <100M tier

553

Total Assets

balance_sheet

Value: $51.30M

Peer Median: $21.86M

#553 of 2508 Top 22.0% in <100M tier

557

Total Deposits

balance_sheet

Value: $43.97M

Peer Median: $18.77M

#557 of 2508 Top 22.2% in <100M tier

622

Total Members

engagement

Value: 3,597

Peer Median: 1,918

#622 of 2508 Top 24.8% in <100M tier

Top Weaknesses (3 metrics)

2310

First Mortgage Concentration (%)

balance_sheet

Value: 50.98%

Peer Median: 3.66%

#2310 of 2508 Bottom 7.9% in <100M tier

2165

Indirect Auto Concentration (%)

balance_sheet

Value: 0.91%

Peer Median: 0.00%

#2165 of 2508 Bottom 13.7% in <100M tier

1900

Members Per Employee (MPE)

engagement

Value: 239.800

Peer Median: 333.750

#1900 of 2508 Bottom 24.3% in <100M tier