BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #64880 · MI
COMMUNITY CHOICE has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 29.6% in tier
- + Wallet Share Momentum: Top 42.6% in tier
- + Net Interest Margin 0.63% above tier average
- + Fee Income Per Member: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.5% in tier
- - Credit Quality Pressure: Bottom 11.8% in tier
- - Indirect Auto Dependency: Bottom 16.4% in tier
- - Liquidity Strain: Bottom 17.0% in tier
- - Efficiency Drag: Bottom 26.8% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 6.21% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
115,548
+1.4% YoY+0.2% QoQ
|
+16.9K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$2.0B
+7.4% YoY+2.0% QoQ
|
+$262.8M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$1.6B
+10.8% YoY+4.5% QoQ
|
+$330.1M |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$1.7B
+9.0% YoY+2.2% QoQ
|
+$208.6M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
0.6%
+131.7% YoY+3.6% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.9%
+11.6% YoY-0.0% QoQ
|
+0.6% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
80.2%
-7.9% YoY-0.6% QoQ
|
+6.2% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.8%
+22.8% YoY+36.6% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
94.0%
+1.7% YoY+2.3% QoQ
|
+8.8% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$27,920
+8.4% YoY+3.1% QoQ
|
$-1K |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
22.5%
+29.5% YoY+11.5% QoQ
|
-6.4% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
22% |
| Indirect Auto % |
20.3%
-14.1% YoY-6.7% QoQ
|
+1.5% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
58% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)