BlastPoint's Credit Union Scorecard

CHRISTIAN FINANCIAL

Charter #63805 · MI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 19 in MI

View Mid-Market leaderboard →

CHRISTIAN FINANCIAL has 11 strengths but faces 6 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

+ Organic Growth Leader: Top 3.1% in tier
+ Organic Growth Engine: Top 7.5% in tier
+ Wallet Share Momentum: Top 21.7% in tier
+ Credit Quality Leader: Top 51.1% in tier
+ Emerging Performer: Top 52.1% in tier
+ Strong member growth: 10.4% YoY
+ Asset Growth Rate: Top 1.0% in tier
+ Deposit Growth Rate: Top 1.6% in tier
+ Loan Growth Rate: Top 3.6% in tier
+ Member Growth Rate: Top 4.9% in tier
+ AMR Growth Rate: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.0% in tier
- Credit Quality Pressure: Bottom 21.8% in tier
- Efficiency Drag: Bottom 23.7% in tier
- ROA 0.11% below tier average
- Efficiency ratio 9.40% above tier (higher cost structure)
- Total Assets: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	61,822 +10.4% YoY+11.7% QoQ	-36.9K	98,678 -1.9% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	16%
Assets	$1.1B +21.3% YoY+13.8% QoQ	$-656.7M	$1.7B +0.5% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	Bottom 7.2% in tier
Loans	$779.1M +21.9% YoY+11.8% QoQ	$-454.0M	$1.2B +0.5% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	Bottom 13.8% in tier
Deposits	$927.5M +21.9% YoY+13.7% QoQ	$-526.9M	$1.5B +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	Bottom 10.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -30.3% YoY-2.1% QoQ	-0.1%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	42%
NIM	2.8% -0.1% YoY+0.6% QoQ	-0.5%	3.3% +9.3% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	20%
Efficiency Ratio	83.4% +4.3% YoY-0.9% QoQ	+9.4%	74.0% -10.9% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Top 13.2% in tier
Delinquency Rate	0.3% +19.1% YoY-10.8% QoQ	-0.5	0.8% +6.1% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Bottom 12.2% in tier
Loan To Share	84.0% +0.0% YoY-1.7% QoQ	-1.2%	85.2% -0.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	38%
AMR	$27,604 +10.4% YoY+1.0% QoQ	$-2K	$29,172 +2.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	50%
CD Concentration	30.7% +5.7% YoY-2.1% QoQ	+1.8%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	61%
Indirect Auto %	8.7% +6.5% YoY+4.7% QoQ	-10.0%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	32%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#13 of 138 • Top 3.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 10.37%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 8.74%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Organic Growth Engine

growth

#55 of 246 • Top 7.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.37%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.60%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 8.74%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Wallet Share Momentum

growth

#26 of 116 • Top 21.7% in tier

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

Why This Signature

AMR Growth (YoY): 10.44%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank improving

Credit Quality Leader

growth

#49 of 95 • Top 51.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.29%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Emerging Performer

growth

#38 of 72 • Top 52.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.60%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 10.37%

(Tier: 3.18%, National: 9.37%)

better than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#51 of 161 • Bottom 9.0% in tier

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

Why This Signature

Loan Growth (YoY): 21.89%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#168 of 217 • Bottom 21.8% 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: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Efficiency Drag

risk

#79 of 96 • Bottom 23.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.37%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 10.37%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 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 304 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 21.31%

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 21.89%

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 21.89%

Peer Avg: -

#12 of 304 Top 3.6% in 1B-3B tier

Member Growth Rate

growth

Value: 10.37%

Peer Avg: -

#16 of 304 Top 4.9% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.44%

Peer Avg: -

#23 of 304 Top 7.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Avg: -

#38 of 304 Top 12.2% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Avg: -

#44 of 304 Top 14.1% in 1B-3B tier

Top Weaknesses (6 metrics)

282

Total Assets

balance_sheet

Value: $1.06B

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

271

Total Deposits

balance_sheet

Value: $927.46M

Peer Avg: -

#271 of 304 Bottom 11.2% in 1B-3B tier

265

Efficiency Ratio

profitability

Value: 83.37%

Peer Avg: -

#265 of 304 Bottom 13.2% in 1B-3B tier

262

Total Loans

balance_sheet

Value: $779.05M

Peer Avg: -

#262 of 304 Bottom 14.1% in 1B-3B tier

256

Total Members

engagement

Value: 61,822

Peer Avg: -

#256 of 304 Bottom 16.1% in 1B-3B tier

242

Net Interest Margin (NIM)

profitability

Value: 2.78%

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier