BlastPoint's Credit Union Scorecard
THE LOCAL
Charter #63342 · MI
THE LOCAL has 2 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.04% above tier average
- + Members Per Employee (MPE): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 6.9% in tier
- - Institutional Decline: Bottom 12.8% in tier
- - Stagnation Risk: Bottom 17.4% in tier
- - Efficiency Drag: Bottom 28.8% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 2.94% above tier (higher cost structure)
- - Member decline: -5.1% YoY
- - Total Deposits: Bottom 1.9% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Loans: Bottom 2.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Loan Growth Rate: Bottom 5.6% in tier
- - Net Charge-Off Rate: Bottom 7.1% in tier
- - Member Growth Rate: Bottom 9.4% in tier
- - Loan-to-Share Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,689
-5.1% YoY-1.1% QoQ
|
-5.9K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$103.9M
+0.7% YoY-0.8% QoQ
|
$-127.4M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.2% in tier |
| Loans |
$42.3M
-8.1% YoY-2.5% QoQ
|
$-105.5M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.6% in tier |
| Deposits |
$87.5M
-0.7% YoY-2.1% QoQ
|
$-112.8M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.8% in tier |
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| ROA |
0.6%
+90.6% YoY+15.4% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.6%
+16.6% YoY+3.0% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
80.2%
-10.2% YoY-1.0% QoQ
|
+2.9% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.4%
-54.3% YoY-58.6% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
48.3%
-7.5% YoY-0.5% QoQ
|
-24.4% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.5% in tier |
| AMR |
$13,402
+1.9% YoY-1.2% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
15.7%
-18.5% YoY+2.6% QoQ
|
-8.7% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.6%
-22.5% YoY-7.9% QoQ
|
-4.4% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)