BlastPoint's Credit Union Scorecard
LAKE MICHIGAN
Charter #62514 · MI
LAKE MICHIGAN has 8 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 24.0% in tier
- + Wallet Share Momentum: Top 24.0% in tier
- + Organic Growth Engine: Top 36.0% in tier
- + Organic Growth Leader: Top 36.0% in tier
- + Emerging Performer: Top 36.0% in tier
- + ROA 0.17% above tier average
- + Strong member growth: 5.6% YoY
- + Net Charge-Off Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 36.0% in tier
- - Liquidity Strain: Bottom 36.0% in tier
- - Members Per Employee (MPE): Bottom 4.0% 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 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Michigan.
- Shares and deposits +17.5% year over year ($14.7B in shares and deposits).
- Membership: 536,976 members, +5.6% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 1.19%.
- Efficiency ratio 61.07% vs a 61.57% peer average.
- Loan-to-share ratio 92.76% vs a 87.50% 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 |
536,976
+5.6% YoY+1.2% QoQ
|
-1.1M |
1,671,910
-4.2% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$17.3B
+16.2% YoY+2.4% QoQ
|
$-10.4B |
$27.7B
+0.2% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$13.7B
+8.4% YoY+2.2% QoQ
|
$-6.4B |
$20.0B
-0.9% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$14.7B
+17.5% YoY+2.3% QoQ
|
$-8.8B |
$23.5B
+0.4% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
1.2%
-17.0% YoY-7.0% QoQ
|
+0.2% |
1.0%
+45.0% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
2.5%
-5.5% YoY+0.8% QoQ
|
-0.7% |
3.2%
+5.4% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
61.1%
+7.1% YoY+2.8% QoQ
|
-0.5% |
61.6%
-6.2% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.3%
-1.5% YoY-18.4% QoQ
|
-0.7 |
1.0%
-2.7% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Top 12.0% in tier |
| Loan To Share |
92.8%
-7.8% YoY-0.2% QoQ
|
+5.3% |
87.5%
-3.0% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$52,899
+6.9% YoY+1.1% QoQ
|
+$20K |
$32,850
+5.7% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Top 8.0% in tier |
| CD Concentration |
28.5%
+18.9% YoY-1.0% QoQ
|
-1.7% | 30.2% | 18.8% | 20.0% | 36% |
| Indirect Auto % |
5.6%
-0.3% YoY-2.4% QoQ
|
-9.3% | 15.0% | 11.7% | 7.7% | 20% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)