BlastPoint's Credit Union Scorecard

MICHIGAN LEGACY

Charter #62642 · MI

100M-500M

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

MICHIGAN LEGACY has 2 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.07% below tier average
- Efficiency ratio 3.41% above tier (higher cost structure)
- Member decline: -10.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	18,249 -10.1% YoY-2.8% QoQ	+3.1K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	71%
Assets	$223.6M +2.6% YoY+5.0% QoQ	$-8.1M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	58%
Loans	$137.3M -4.6% YoY-4.2% QoQ	$-6.8M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	57%
Deposits	$195.8M +2.5% YoY+5.6% QoQ	$-5.4M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	58%

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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	0.7% +209.4% YoY+50.3% QoQ	-0.1%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	48%
NIM	3.6% -4.8% YoY-7.9% QoQ	-0.1%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	81.4% -8.2% YoY-2.6% QoQ	+3.4%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.6% -11.7% YoY-12.4% QoQ	-0.2	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	51%
Loan To Share	70.1% -6.9% YoY-9.2% QoQ	-0.3%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	47%
AMR	$18,251 +10.6% YoY+4.2% QoQ	$-7K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	21%
CD Concentration	12.3% +27.8% YoY+8.3% QoQ	-12.0%	24.3%	18.6%	19.8%	50%
Indirect Auto %	15.8% -22.5% YoY-11.0% QoQ	+2.0%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#104 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): 10.59%

(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)

Membership Headwinds

decline

#37 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -10.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#38 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -10.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.56%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.62%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#38 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $223.61M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -10.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.56%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#423 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.60%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.76%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -10.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#589 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.44%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.45% points

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

but better than tier avg

Member Growth (YoY): -10.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 (3 metrics)

AMR Growth Rate

growth

Value: 10.59%

Peer Median: 3.46%

#83 of 1070 Top 7.7% in 100M-500M tier

160

Share Certificate Concentration (%)

balance_sheet

Value: 12.32%

Peer Median: 23.10%

#160 of 1070 Top 14.9% in 100M-500M tier

214

Fee Income Per Member

profitability

Value: $214.45

Peer Median: $154.95

#214 of 1070 Top 19.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1036

Member Growth Rate

growth

Value: -10.06%

Peer Median: -0.06%

#1036 of 1070 Bottom 3.3% in 100M-500M tier

992

First Mortgage Concentration (%)

balance_sheet

Value: 57.28%

Peer Median: 29.47%

#992 of 1070 Bottom 7.4% in 100M-500M tier

941

Loan Growth Rate

growth

Value: -4.56%

Peer Median: 2.93%

#941 of 1070 Bottom 12.1% in 100M-500M tier

900

Net Charge-Off Rate

risk

Value: 0.83%

Peer Median: 0.35%

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

841

Average Member Relationship (AMR)

engagement

Value: $18,251

Peer Median: $22,931

#841 of 1070 Bottom 21.5% in 100M-500M tier