BlastPoint's Credit Union Scorecard

COMMUNITY CHOICE

Charter #64880 · MI

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

COMMUNITY CHOICE has 5 strengths but faces 5 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

+ Wallet Share Momentum: Top 10.0% in tier
+ ROA 0.68% above tier average
+ Net Interest Margin 0.68% above tier average
+ Fee Income Per Member: Top 3.6% in tier
+ Deposit Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.3% in tier
- Indirect Auto Dependency: Bottom 18.9% in tier
- Credit Risk Growth: Bottom 43.2% in tier
- Delinquency rate 0.06% above tier average
- Members Per Employee (MPE): Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	115,119 +0.2% YoY-0.0% QoQ	+19.1K	96,048 -2.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	71%
Assets	$2.1B +9.5% YoY+3.6% QoQ	+$354.4M	$1.7B +0.4% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	72%
Loans	$1.6B +6.8% YoY-1.1% QoQ	+$348.3M	$1.2B +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	76%
Deposits	$1.8B +13.5% YoY+5.4% QoQ	+$324.8M	$1.5B +0.5% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	73%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.4% +122.3% YoY+73.1% QoQ	+0.7%	0.7% +27.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 8.8% in tier
NIM	4.0% +3.3% YoY+2.8% QoQ	+0.7%	3.4% +6.2% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 9.8% in tier
Efficiency Ratio	69.5% -13.8% YoY-10.1% QoQ	-5.1%	74.6% -3.0% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	29%
Delinquency Rate	0.8% +68.4% YoY+15.9% QoQ	+0.1	0.8% +6.9% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	69%
Loan To Share	87.2% -5.9% YoY-6.2% QoQ	+4.1%	83.2% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	57%
AMR	$29,121 +10.1% YoY+2.3% QoQ	$-531	$29,652 +2.3% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	55%
CD Concentration	23.3% +32.9% YoY+5.9% QoQ	-5.5%	28.8%	18.6%	19.8%	25%
Indirect Auto %	18.4% -18.2% YoY-4.1% QoQ	+0.3%	18.1%	11.7%	7.7%	57%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#38 of 125 • Top 10.0% in tier

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

Why This Signature

AMR Growth (YoY): 10.07%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#39 of 225 • Bottom 10.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#45 of 183 • Bottom 43.2% in tier

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

Why This Signature

Loan Growth (YoY): 6.80%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#80 of 198 • Bottom 18.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.47%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.41%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.18%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (8 metrics)

Fee Income Per Member

profitability

Value: $376.37

Peer Median: $191.54

#12 of 306 Top 3.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: 0.66%

#27 of 306 Top 8.5% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.03%

Peer Median: 3.37%

#30 of 306 Top 9.5% in 1B-3B tier

Deposit Growth Rate

growth

Value: 13.47%

Peer Median: 4.44%

#30 of 306 Top 9.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.07%

Peer Median: 3.15%

#32 of 306 Top 10.1% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.47%

Peer Median: 4.82%

#53 of 306 Top 17.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.98%

Peer Median: 33.05%

#53 of 306 Top 17.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.56B

Peer Median: $1.11B

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (2 metrics)

279

Members Per Employee (MPE)

engagement

Value: 262.829

Peer Median: 345.077

#279 of 306 Bottom 9.2% in 1B-3B tier

247

Net Worth Ratio

risk

Value: 9.36%

Peer Median: 10.85%

#247 of 306 Bottom 19.6% in 1B-3B tier