BlastPoint's Credit Union Scorecard

THE LOCAL

Charter #63342 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

THE LOCAL has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.57% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Member decline: -3.6% YoY
- Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
- Total Loans: Bottom 3.3% in tier
- Total Deposits: Bottom 5.5% in tier
- Average Member Relationship (AMR): Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	9,526 -3.6% YoY-1.4% QoQ	-5.6K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	29%
Assets	$109.2M +2.2% YoY+3.6% QoQ	$-122.5M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Bottom 6.4% in tier
Loans	$41.7M -4.5% YoY-1.0% QoQ	$-102.4M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Bottom 3.2% in tier
Deposits	$92.5M +1.2% YoY+3.5% QoQ	$-108.7M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Bottom 5.4% in tier

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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	1.3% +364.8% YoY+75.8% QoQ	+0.6%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	83%
NIM	3.6% +6.0% YoY-0.6% QoQ	+0.0%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	74.4% -12.7% YoY-5.5% QoQ	-3.7%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.2% -63.2% YoY-57.0% QoQ	-0.5	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	17%
Loan To Share	45.1% -5.6% YoY-4.4% QoQ	-25.3%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 7.7% in tier
AMR	$14,084 +3.0% YoY+3.5% QoQ	$-11K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Bottom 6.3% in tier
CD Concentration	14.5% -3.3% YoY-4.0% QoQ	-9.8%	24.3%	18.6%	19.8%	50%
Indirect Auto %	8.5% -21.8% YoY-3.2% QoQ	-5.3%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Stagnation Risk

risk

#196 of 570 • Bottom 50.0% 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): -3.61%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#205 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.61%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#162 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $109.17M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.61%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | 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 1070 peers in tier

Top Strengths (6 metrics)

115

Members Per Employee (MPE)

engagement

Value: 453.619

Peer Median: 309.176

#115 of 1070 Top 10.7% in 100M-500M tier

160

Net Worth Ratio

risk

Value: 15.04%

Peer Median: 11.45%

#160 of 1070 Top 14.9% in 100M-500M tier

179

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Median: 0.69%

#179 of 1070 Top 16.6% in 100M-500M tier

179

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.61%

#179 of 1070 Top 16.6% in 100M-500M tier

222

Share Certificate Concentration (%)

balance_sheet

Value: 14.52%

Peer Median: 23.10%

#222 of 1070 Top 20.7% in 100M-500M tier

253

First Mortgage Concentration (%)

balance_sheet

Value: 16.54%

Peer Median: 29.47%

#253 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (8 metrics)

1040

Loan-to-Member Ratio (LMR)

engagement

Value: $4,378

Peer Median: $9,356

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1036

Total Loans

balance_sheet

Value: $41.71M

Peer Median: $121.41M

#1036 of 1070 Bottom 3.3% in 100M-500M tier

1012

Total Deposits

balance_sheet

Value: $92.46M

Peer Median: $171.29M

#1012 of 1070 Bottom 5.5% in 100M-500M tier

1003

Average Member Relationship (AMR)

engagement

Value: $14,084

Peer Median: $22,931

#1003 of 1070 Bottom 6.4% in 100M-500M tier

1001

Total Assets

balance_sheet

Value: $109.17M

Peer Median: $196.57M

#1001 of 1070 Bottom 6.5% in 100M-500M tier

988

Loan-to-Share Ratio

balance_sheet

Value: 45.11%

Peer Median: 71.88%

#988 of 1070 Bottom 7.8% in 100M-500M tier

934

Loan Growth Rate

growth

Value: -4.50%

Peer Median: 2.93%

#934 of 1070 Bottom 12.8% in 100M-500M tier

899

Member Growth Rate

growth

Value: -3.61%

Peer Median: -0.06%

#899 of 1070 Bottom 16.1% in 100M-500M tier