BlastPoint's Credit Union Scorecard

LAKE MICHIGAN

Charter #62514 · MI

Titans 10B+

21 CUs in 10B+ nationally 1 in MI

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LAKE MICHIGAN has 14 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 0.0% in tier
+ Organic Growth Engine: Top 7.4% in tier
+ Organic Growth Leader: Top 20.0% in tier
+ Emerging Performer: Top 33.3% in tier
+ Profitability Leader: Top 40.0% in tier
+ Relationship Depth Leader: Top 100.0% in tier
+ ROA 0.62% above tier average
+ Fee Income Per Member: Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 0.0% in tier
+ Net Charge-Off Rate: Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 4.8% in tier
+ Net Worth Ratio: Top 9.5% in tier
+ Loan-to-Share Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.0% in tier
- Members Per Employee (MPE): Bottom 4.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	517,086 +4.1% YoY+1.7% QoQ	-1.3M	1,822,416 +4.1% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Bottom 14.3% in tier
Assets	$15.2B +5.8% YoY+2.4% QoQ	$-13.5B	$28.7B +4.2% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	38%
Loans	$13.1B +9.2% YoY+3.7% QoQ	$-8.0B	$21.1B +5.8% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	48%
Deposits	$12.9B +5.6% YoY+2.6% QoQ	$-11.6B	$24.4B +7.2% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	43%

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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	1.4% +34.2% YoY-3.6% QoQ	+0.6%	0.8% +17.7% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Top 14.3% in tier
NIM	2.7% +24.4% YoY+0.1% QoQ	-0.4%	3.1% +10.6% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	19%
Efficiency Ratio	57.9% -7.7% YoY+1.5% QoQ	-6.4%	64.3% -4.3% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	29%
Delinquency Rate	0.3% -9.3% YoY-3.7% QoQ	-0.8	1.2% +9.7% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Bottom 0.0% in tier
Loan To Share	101.7% +3.5% YoY+1.1% QoQ	+11.9%	89.8% -0.3% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	Top 14.3% in tier
AMR	$50,202 +3.2% YoY+1.5% QoQ	+$19K	$31,184 +7.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Top 9.5% in tier
CD Concentration	26.9% +1.1% YoY+12.3% QoQ	-5.0%	31.9% +2.0% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	24%
Indirect Auto %	5.7% -6.3% YoY+1.5% QoQ	-8.5%	14.2% -8.9% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	29%

Signature Analysis

Strengths (6)

Credit Quality Leader

growth

#1 of 6 • Top 0.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.34%

(Tier: 1.18%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.04% points

(Tier: 0.10% points, National: 0.07% points)

better than tier avg

6 of 21 Titans CUs have this signature | 457 nationally

→ Stable (6→6 CUs)

Organic Growth Engine

growth

#5 of 18 • Top 7.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.08%

(Tier: 3.59%, National: 9.37%)

better than tier avg

Return on Assets: 1.39%

(Tier: 0.76%, National: 0.71%)

better than tier avg

Indirect Auto %: 5.73%

(Tier: 14.25%, National: 7.90%)

better than tier avg

18 of 21 Titans CUs have this signature | 917 nationally

→ Stable (18→18 CUs)

Organic Growth Leader

growth

#8 of 12 • Top 20.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.08%

(Tier: 3.59%, National: 9.37%)

better than tier avg

Indirect Auto %: 5.73%

(Tier: 14.25%, National: 7.90%)

better than tier avg

12 of 21 Titans CUs have this signature | 608 nationally

→ Stable (11→12 CUs) +1 CUs YoY

Emerging Performer

growth

#2 of 4 • Top 33.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.39%

(Tier: 0.76%, National: 0.71%)

better than tier avg

Member Growth (YoY): 4.08%

(Tier: 3.59%, National: 9.37%)

better than tier avg

4 of 21 Titans CUs have this signature | 288 nationally

→ Stable (3→4 CUs) +1 CUs YoY

Profitability Leader

growth

#3 of 6 • Top 40.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.39%

(Tier: 0.76%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.35% points

(Tier: 0.10% points, National: 0.05% points)

better than tier avg

6 of 21 Titans CUs have this signature | 457 nationally

→ Stable (6→6 CUs)

Relationship Depth Leader

growth

#3 of 3 • Top 100.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.18%

(Tier: 2.80%, National: 4.19%)

better than tier avg

Share Draft per Member: $6.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

3 of 21 Titans CUs have this signature | 341 nationally

→ Stable (2→3 CUs) +1 CUs YoY

Concerns (1)

Liquidity Strain

risk

#1 of 11 • Bottom 0.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 101.69%

(Tier: 89.80%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 9.24%

(Tier: 6.37%, National: 36.38%)

but better than tier avg

11 of 21 Titans CUs have this signature | 484 nationally

→ Stable (11→11 CUs) | Rank improving

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 21 peers in tier

Top Strengths (10 metrics)

Fee Income Per Member

profitability

Value: $333.92

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Net Charge-Off Rate

risk

Value: 0.14%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Loan-to-Member Ratio (LMR)

engagement

Value: $25,311

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $50,202

Peer Avg: -

#2 of 21 Top 4.8% in 10B+ tier

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Net Worth Ratio

risk

Value: 11.89%

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 101.69%

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Loan Growth Rate

growth

Value: 9.24%

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 26.94%

Peer Avg: -

#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (4 metrics)

Members Per Employee (MPE)

engagement

Value: 289.036

Peer Avg: -

#21 of 21 Bottom 4.8% in 10B+ tier

First Mortgage Concentration (%)

balance_sheet

Value: 62.76%

Peer Avg: -

#19 of 21 Bottom 14.3% in 10B+ tier

Total Members

engagement

Value: 517,086

Peer Avg: -

#18 of 21 Bottom 19.0% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Avg: -

#17 of 21 Bottom 23.8% in 10B+ tier