BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #64880 · MI
COMMUNITY CHOICE has 8 strengths but faces 4 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
- + Wallet Share Momentum: Top 27.0% in tier
- + Organic Growth Engine: Top 85.4% in tier
- + Organic Growth Leader: Top 97.2% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 0.65% above tier average
- + Fee Income Per Member: Top 6.6% in tier
- + AMR Growth Rate: Top 9.3% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 49.7% in tier
- - Liquidity Strain: Bottom 64.2% in tier
- - Efficiency ratio 3.27% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
115,153
+0.8% YoY-0.3% QoQ
|
+17.7K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$2.0B
+8.5% YoY+1.0% QoQ
|
+$278.6M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$1.6B
+9.2% YoY+1.1% QoQ
|
+$345.5M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$1.7B
+12.4% YoY+2.2% QoQ
|
+$239.5M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.8%
+126.1% YoY+24.7% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.9%
+9.0% YoY+0.7% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
77.3%
-8.5% YoY-3.6% QoQ
|
+3.3% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.7%
-14.1% YoY-13.7% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
93.0%
-2.9% YoY-1.1% QoQ
|
+8.2% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$28,472
+9.9% YoY+2.0% QoQ
|
$-956 |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
22.1%
+30.6% YoY-2.1% QoQ
|
-7.0% | 29.0% | 18.6% | 19.8% | 20% |
| Indirect Auto % |
19.2%
-16.2% YoY-5.4% QoQ
|
+0.9% | 18.3% | 11.8% | 7.8% | 57% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
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.
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)