BlastPoint's Credit Union Scorecard

AUTO-OWNERS ASSOCIATES

Charter #62543 · MI

<100M

2508 CUs in <100M nationally 56 in MI

AUTO-OWNERS ASSOCIATES has 2 strengths 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 1.73% above tier average
+ Efficiency Ratio: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Loan-to-Share Ratio: Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,547 -0.9% YoY-0.7% QoQ	-129	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	61%
Assets	$43.4M +3.5% YoY+3.3% QoQ	+$13.2M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	72%
Loans	$7.0M -7.0% YoY-1.9% QoQ	$-8.3M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	42%
Deposits	$35.3M +2.7% YoY+3.6% QoQ	+$9.6M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	70%

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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	1.9% -14.9% YoY+2.0% QoQ	+1.7%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 8.3% in tier
NIM	3.4% +3.0% YoY+3.7% QoQ	-0.6%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	49.3% +12.0% YoY-3.0% QoQ	-41.4%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Top 4.5% in tier
Delinquency Rate	0.1% -46.0% QoQ	-1.4	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	19%
Loan To Share	19.7% -9.5% YoY-5.3% QoQ	-38.8%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 5.0% in tier
AMR	$16,610 +1.9% YoY+3.4% QoQ	+$2K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	64%
CD Concentration	13.6% +2.3% YoY-2.6% QoQ	-10.7%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

113

Efficiency Ratio

profitability

Value: 49.28%

Peer Median: 81.45%

#113 of 2508 Top 4.5% in <100M tier

207

Return on Assets (ROA)

profitability

Value: 1.88%

Peer Median: 0.61%

#207 of 2508 Top 8.2% in <100M tier

482

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.65%

#482 of 2508 Top 19.2% in <100M tier

623

Members Per Employee (MPE)

engagement

Value: 424.500

Peer Median: 333.750

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

Top Weaknesses (3 metrics)

2381

Loan-to-Share Ratio

balance_sheet

Value: 19.72%

Peer Median: 58.72%

#2381 of 2508 Bottom 5.1% in <100M tier

2156

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.07%

#2156 of 2508 Bottom 14.1% in <100M tier

1965

Loan-to-Member Ratio (LMR)

engagement

Value: $2,736

Peer Median: $4,923

#1965 of 2508 Bottom 21.7% in <100M tier