BlastPoint's Credit Union Scorecard

HONOR

Charter #63004 · MI

Mid-Market 1B-3B

Honor at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Honor is one of 101 credit unions in the 2026 VentureTech card set. We also found Honor's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Honor

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HONOR
PEER · AT VENTURETECH
PEER · AT VENTURETECH
HONOR'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 21 in MI

View Mid-Market leaderboard →

HONOR has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#108 of 125 • Top 29.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.74%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#45 of 86 • Bottom 83.9% 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): -1.78%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.15%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.92%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Membership Headwinds

decline

#61 of 86 • Bottom 83.9% in tier

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

Why This Signature

Member Growth (YoY): -1.78%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#172 of 215 • Bottom 46.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#158 of 170 • Bottom 72.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.15%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.13%

Peer Median: 3.46%

#26 of 300 Top 8.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $327.26

Peer Median: $204.73

#27 of 300 Top 8.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.86%

Peer Median: 28.24%

#49 of 300 Top 16.0% in 1B-3B tier

Top Weaknesses (4 metrics)

294

Members Per Employee (MPE)

engagement

Value: 205.766

Peer Median: 346.173

#294 of 300 Bottom 2.3% in 1B-3B tier

248

Member Growth Rate

growth

Value: -1.78%

Peer Median: 1.84%

#248 of 300 Bottom 17.7% in 1B-3B tier

237

First Mortgage Concentration (%)

balance_sheet

Value: 43.93%

Peer Median: 33.59%

#237 of 300 Bottom 21.3% in 1B-3B tier

227

Efficiency Ratio

profitability

Value: 79.14%

Peer Median: 73.62%

#227 of 300 Bottom 24.7% in 1B-3B tier