BlastPoint's Credit Union Scorecard
MICHIGAN LEGACY
Charter #62642 · MI
MICHIGAN LEGACY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 5.5% 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
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 7.50% above tier (higher cost structure)
- - Member decline: -11.2% YoY
- - Member Growth Rate: Bottom 2.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits +3.6% year over year ($198M in shares and deposits).
- Membership: 17,910 members, -11.2% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 0.52%.
- Efficiency ratio 84.23% vs a 76.73% peer average.
- Loan-to-share ratio 67.61% vs a 71.54% 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 |
17,910
-11.2% YoY-1.9% QoQ
|
+2.7K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$226.8M
+3.7% YoY+1.4% QoQ
|
$-5.2M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$134.2M
-4.0% YoY-2.3% QoQ
|
$-12.1M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$198.5M
+3.6% YoY+1.4% QoQ
|
$-2.2M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
0.5%
+219.6% YoY-20.9% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.6%
-5.0% YoY+0.4% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
84.2%
-3.0% YoY+3.4% QoQ
|
+7.5% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.5%
-50.6% YoY-25.7% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
67.6%
-7.4% YoY-3.6% QoQ
|
-3.9% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$18,575
+13.1% YoY+1.8% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
13.9%
+22.6% YoY+12.7% QoQ
|
-10.7% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
13.7%
-43.4% YoY-13.0% QoQ
|
+0.1% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)