BlastPoint's Credit Union Scorecard

AMERICAN 1

Charter #65595 · MI

Community 500M-750M

169 CUs in 500M-750M nationally 9 in MI

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AMERICAN 1 has 7 strengths but faces 13 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 Leader: Top 21.0% in tier
+ Organic Growth Engine: Top 27.4% in tier
+ Net Interest Margin 2.00% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier
+ Total Members: Top 2.4% in tier
+ Net Worth Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 10.0% in tier
- Shrinking Wallet Share: Bottom 12.2% in tier
- Capital Constraint: Bottom 13.8% in tier
- Credit Quality Pressure: Bottom 14.1% in tier
- Credit Risk Growth: Bottom 22.8% in tier
- ROA 0.40% below tier average
- Delinquency rate 1.57% 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 2.4% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- Deposit Growth Rate: Bottom 6.5% in tier
- Members Per Employee (MPE): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	67,235 +1.8% YoY+0.6% QoQ	+27.5K	39,752 -2.7% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Top 3.0% in tier
Assets	$649.7M -3.1% YoY-2.5% QoQ	+$27.3M	$622.4M +0.3% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	62%
Loans	$474.8M +1.9% YoY-1.2% QoQ	+$38.8M	$435.9M -0.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	67%
Deposits	$535.5M -3.5% YoY-2.7% QoQ	$-2.5M	$538.0M +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -69.1% YoY+90.5% QoQ	-0.4%	0.7% +33.9% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	22%
NIM	5.4% +12.5% YoY+3.0% QoQ	+2.0%	3.4% +8.6% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 1.2% in tier
Efficiency Ratio	72.0% +3.4% YoY-0.0% QoQ	-6.1%	78.1% -3.4% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	21%
Delinquency Rate	2.4% +9.6% YoY+7.3% QoQ	+1.6	0.8% -4.9% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Top 2.4% in tier
Loan To Share	88.7% +5.6% YoY+1.6% QoQ	+7.6%	81.0% -1.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	68%
AMR	$15,027 -2.8% YoY-2.5% QoQ	$-11K	$26,482 +2.6% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Bottom 1.2% in tier
CD Concentration	17.9% -7.6% YoY-3.0% QoQ	-6.5%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	27%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#277 of 430 • Top 21.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#503 of 603 • Top 27.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.26%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (5)

Deposit Outflow

decline

#9 of 81 • Bottom 10.0% 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): -3.54%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.82%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 281 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY

Shrinking Wallet Share

decline

#122 of 244 • Bottom 12.2% in tier

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

Why This Signature

AMR Growth (YoY): -2.83%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Capital Constraint

risk

#13 of 18 • Bottom 13.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 88.66%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -3.54%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 15.54%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

18 of 281 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Credit Quality Pressure

risk

#350 of 736 • Bottom 14.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#342 of 446 • Bottom 22.8% in tier

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

Why This Signature

Loan Growth (YoY): 1.90%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 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 169 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 1.18%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 5.43%

Peer Avg: -

#2 of 169 Top 0.6% in 500M-750M tier

Total Members

engagement

Value: 67,235

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Net Worth Ratio

risk

Value: 15.54%

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Fee Income Per Member

profitability

Value: $293.62

Peer Avg: -

#20 of 169 Top 11.2% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.92%

Peer Avg: -

#23 of 169 Top 13.0% in 500M-750M tier

Efficiency Ratio

profitability

Value: 71.97%

Peer Avg: -

#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (9 metrics)

169

Net Charge-Off Rate

risk

Value: 2.51%

Peer Avg: -

#169 of 169 Bottom 0.6% in 500M-750M tier

167

Average Member Relationship (AMR)

engagement

Value: $15,027

Peer Avg: -

#167 of 169 Bottom 1.8% in 500M-750M tier

166

Total Delinquency Rate (60+ days)

risk

Value: 2.37%

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

161

Loan-to-Member Ratio (LMR)

engagement

Value: $7,062

Peer Avg: -

#161 of 169 Bottom 5.3% in 500M-750M tier

159

Deposit Growth Rate

growth

Value: -3.54%

Peer Avg: -

#159 of 169 Bottom 6.5% in 500M-750M tier

158

Members Per Employee (MPE)

engagement

Value: 231.845

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

151

Asset Growth Rate

growth

Value: -3.07%

Peer Avg: -

#151 of 169 Bottom 11.2% in 500M-750M tier

149

AMR Growth Rate

growth

Value: -2.83%

Peer Avg: -

#149 of 169 Bottom 12.4% in 500M-750M tier

131

Return on Assets (ROA)

profitability

Value: 0.26%

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier