BlastPoint's Credit Union Scorecard
HONOR
Charter #63004 · MI
HONOR has 4 strengths but faces 7 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
- + Wallet Share Momentum: Top 29.0% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.70% above tier average
- + Fee Income Per Member: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.2% in tier
- - Credit Risk Growth: Bottom 72.3% in tier
- - Stagnation Risk: Bottom 83.9% in tier
- - Membership Headwinds: Bottom 83.9% in tier
- - Efficiency ratio 6.12% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Members Per Employee (MPE): Bottom 2.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits +5.4% year over year ($1.62B in shares and deposits).
- Membership: 105,352 members, -1.8% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.87%.
- Efficiency ratio 79.14% vs a 73.02% peer average.
- Loan-to-share ratio 84.82% vs a 84.71% 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 |
105,352
-1.8% YoY+0.1% QoQ
|
+8.5K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$1.9B
+5.2% YoY+1.0% QoQ
|
+$159.2M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$1.4B
+2.1% YoY+1.0% QoQ
|
+$142.8M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$1.6B
+5.4% YoY+0.7% QoQ
|
+$160.0M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.9%
+5.7% YoY+20.2% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
4.1%
+0.8% YoY+2.1% QoQ
|
+0.7% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 8.7% in tier |
| Efficiency Ratio |
79.1%
+0.8% YoY-1.4% QoQ
|
+6.1% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.9%
+5.6% YoY+10.2% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
84.8%
-3.0% YoY+0.3% QoQ
|
+0.1% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$28,480
+5.7% YoY+0.7% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
20.9%
-3.9% YoY+0.4% QoQ
|
-8.2% | 29.1% | 18.8% | 20.0% | 15% |
| Indirect Auto % |
12.6%
-12.1% YoY-2.6% QoQ
|
-5.5% | 18.1% | 11.7% | 7.7% | 43% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)