BlastPoint's Credit Union Scorecard
HONOR
Charter #63004 · MI
HONOR has 4 strengths but faces 8 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 75.4% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.97% above tier average
- + Fee Income Per Member: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 47.1% in tier
- - Stagnation Risk: Bottom 57.1% in tier
- - Membership Headwinds: Bottom 63.1% in tier
- - Credit Risk Growth: Bottom 71.2% in tier
- - Margin Compression: Bottom 83.3% in tier
- - Efficiency ratio 4.72% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Members Per Employee (MPE): Bottom 2.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
105,536
-1.7% YoY-1.7% QoQ
|
+8.1K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$1.8B
+6.1% YoY+1.2% QoQ
|
+$85.2M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$1.4B
+3.3% YoY-0.7% QoQ
|
+$134.5M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$1.5B
+5.5% YoY+1.2% QoQ
|
+$90.0M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
0.8%
-12.3% YoY+4.7% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
4.2%
+5.5% YoY+1.3% QoQ
|
+1.0% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
78.8%
+3.6% YoY+0.2% QoQ
|
+4.7% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.2%
+14.7% YoY+28.3% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
88.4%
-2.0% YoY-1.9% QoQ
|
+3.6% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$27,652
+6.3% YoY+2.1% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
21.2%
-4.7% YoY+0.6% QoQ
|
-7.9% | 29.0% | 18.6% | 19.8% | 17% |
| Indirect Auto % |
13.1%
-16.0% YoY-3.0% QoQ
|
-5.2% | 18.3% | 11.8% | 7.8% | 44% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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 Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)