BlastPoint's Credit Union Scorecard
AMERICAN 1
Charter #65595 · MI
AMERICAN 1 has 8 strengths but faces 9 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 Leader: Top 68.2% in tier
- + Organic Growth Engine: Top 71.0% in tier
- + Net Interest Margin 2.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.8% in tier
- + Net Worth Ratio: Top 4.8% in tier
- + Fee Income Per Member: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 45.4% in tier
- - Deposit Outflow: Bottom 67.7% in tier
- - ROA 0.10% below tier average
- - Delinquency rate 1.61% above tier average
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,308
+1.7% YoY+0.1% QoQ
|
+28.7K |
38,575
-4.8% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 2.4% in tier |
| Assets |
$657.6M
-0.5% YoY+1.2% QoQ
|
+$35.9M |
$621.7M
+0.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$467.9M
-2.1% YoY-1.5% QoQ
|
+$38.1M |
$429.8M
-1.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$542.6M
-0.6% YoY+1.3% QoQ
|
+$3.9M |
$538.7M
+0.6% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.6%
-29.6% YoY+116.0% QoQ
|
-0.1% |
0.7%
+42.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
5.5%
+9.4% YoY+1.8% QoQ
|
+2.1% |
3.4%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
70.1%
+0.6% YoY-2.6% QoQ
|
-7.4% |
77.5%
-4.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
2.5%
-4.1% YoY+3.7% QoQ
|
+1.6 |
0.8%
-1.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 2.4% in tier |
| Loan To Share |
86.2%
-1.5% YoY-2.7% QoQ
|
+6.4% |
79.8%
-2.3% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$15,012
-3.0% YoY-0.1% QoQ
|
$-12K |
$26,849
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.6% in tier |
| CD Concentration |
17.9%
-7.7% YoY-0.3% QoQ
|
-6.6% | 24.4% | 18.6% | 19.8% | 26% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)