BlastPoint's Credit Union Scorecard

AMERICAN 1

Charter #65595 · MI

Community 500M-750M

165 CUs in 500M-750M nationally 10 in MI

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AMERICAN 1 has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community 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 Engine: Top 41.1% in tier
+ Organic Growth Leader: Top 41.1% in tier
+ Net Interest Margin 2.02% above tier average
+ First Mortgage Concentration (%): Top 0.1% in tier
+ Total Members: Top 1.2% in tier
+ Net Worth Ratio: Top 4.8% in tier
+ Share Certificate Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 87.5% in tier
- Deposit Outflow: Bottom 87.7% in tier
- Shrinking Wallet Share: Bottom 94.9% in tier
- ROA 0.29% below tier average
- Delinquency rate 1.27% above tier average
- Net Charge-Off Rate: Bottom 0.6% in tier
- Average Member Relationship (AMR): Bottom 1.8% in tier
- Total Delinquency Rate (60+ days): Bottom 3.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in Michigan.
Shares and deposits -1.3% year over year ($543M in shares and deposits).
Membership: 67,470 members, +0.9% vs a year ago.
Delinquency rate 2.07%.
Return on assets 0.52%.
Efficiency ratio 72.89% vs a 76.56% peer average.
Loan-to-share ratio 83.82% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	67,470 +0.9% YoY-0.1% QoQ	+29.6K	37,897 -5.0% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	Top 1.8% in tier
Assets	$661.3M -0.7% YoY-0.8% QoQ	+$38.9M	$622.4M +0.6% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	66%
Loans	$455.4M -5.2% YoY-0.9% QoQ	+$26.9M	$428.5M -0.7% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	59%
Deposits	$543.3M -1.3% YoY-1.3% QoQ	+$3.5M	$539.8M +0.9% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	50%

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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	0.5% +283.4% YoY+58.6% QoQ	-0.3%	0.8% +39.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	33%
NIM	5.5% +5.3% YoY+3.0% QoQ	+2.0%	3.5% +5.0% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	Top 0.6% in tier
Efficiency Ratio	72.9% +1.2% YoY-3.1% QoQ	-3.7%	76.6% -3.6% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	29%
Delinquency Rate	2.1% -6.1% YoY-3.1% QoQ	+1.3	0.8% +3.1% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	Bottom 3.0% in tier
Loan To Share	83.8% -4.0% YoY+0.4% QoQ	+4.5%	79.3% -1.4% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	55%
AMR	$14,801 -4.0% YoY-1.0% QoQ	$-12K	$27,294 +4.1% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Bottom 1.2% in tier
CD Concentration	16.6% -10.2% YoY+1.8% QoQ	-8.0%	24.6%	18.8%	20.0%	23%
Indirect Auto %	0.0%	-13.6%	13.6%	11.7%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#287 of 344 • Top 41.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.52%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#305 of 342 • Top 41.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (3)

Flatlined Growth

risk

#7 of 42 • Bottom 87.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.75%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.52%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 276 Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#67 of 223 • Bottom 94.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.00%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Deposit Outflow

decline

#36 of 84 • Bottom 87.7% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.31%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.91%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 276 Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.55%

Peer Median: 3.55%

#1 of 165 Top 0.1% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 9.93%

#1 of 165 Top 0.1% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 1.38%

Peer Median: 34.05%

#1 of 165 Top 0.1% in 500M-750M tier

Total Members

engagement

Value: 67,470

Peer Median: 36,716

#3 of 165 Top 1.2% in 500M-750M tier

Net Worth Ratio

risk

Value: 15.58%

Peer Median: 10.42%

#9 of 165 Top 4.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.58%

Peer Median: 26.69%

#17 of 165 Top 9.7% in 500M-750M tier

Fee Income Per Member

profitability

Value: $291.68

Peer Median: $191.53

#22 of 165 Top 12.7% in 500M-750M tier

Top Weaknesses (9 metrics)

165

Net Charge-Off Rate

risk

Value: 2.61%

Peer Median: 0.41%

#165 of 165 Bottom 0.6% in 500M-750M tier

163

Average Member Relationship (AMR)

engagement

Value: $14,801

Peer Median: $25,725

#163 of 165 Bottom 1.8% in 500M-750M tier

161

Total Delinquency Rate (60+ days)

risk

Value: 2.07%

Peer Median: 0.70%

#161 of 165 Bottom 3.0% in 500M-750M tier

158

AMR Growth Rate

growth

Value: -4.00%

Peer Median: 3.83%

#158 of 165 Bottom 4.8% in 500M-750M tier

158

Loan-to-Member Ratio (LMR)

engagement

Value: $6,749

Peer Median: $11,477

#158 of 165 Bottom 4.8% in 500M-750M tier

150

Loan Growth Rate

growth

Value: -5.22%

Peer Median: 4.82%

#150 of 165 Bottom 9.7% in 500M-750M tier

146

Asset Growth Rate

growth

Value: -0.75%

Peer Median: 4.61%

#146 of 165 Bottom 12.1% in 500M-750M tier

145

Deposit Growth Rate

growth

Value: -1.31%

Peer Median: 4.04%

#145 of 165 Bottom 12.7% in 500M-750M tier

135

Members Per Employee (MPE)

engagement

Value: 258.506

Peer Median: 313.721

#135 of 165 Bottom 18.8% in 500M-750M tier