BlastPoint's Credit Union Scorecard
AMERICAN 1
Charter #65595 · MI
AMERICAN 1 has 7 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 Leader: Top 34.6% in tier
- + Organic Growth Engine: Top 34.6% in tier
- + Net Interest Margin 1.92% above tier average
- + First Mortgage Concentration (%): Top 0.1% in tier
- + Total Members: Top 1.8% in tier
- + Net Worth Ratio: Top 4.8% in tier
- + Share Certificate Concentration (%): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 88.2% in tier
- - Shrinking Wallet Share: Bottom 93.3% in tier
- - ROA 0.36% below tier average
- - Delinquency rate 1.43% 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 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,556
+1.5% YoY+0.4% QoQ
|
+29.5K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 2.4% in tier |
| Assets |
$666.9M
-1.0% YoY+1.4% QoQ
|
+$47.2M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$459.5M
-2.8% YoY-1.8% QoQ
|
+$40.2M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$550.3M
-1.4% YoY+1.4% QoQ
|
+$10.8M |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
0.3%
-616.4% YoY-41.2% QoQ
|
-0.4% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
5.4%
+5.3% YoY-2.5% QoQ
|
+1.9% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
75.2%
+0.4% YoY+7.3% QoQ
|
-3.2% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
2.1%
-4.5% YoY-12.9% QoQ
|
+1.4 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
83.5%
-1.4% YoY-3.2% QoQ
|
+5.8% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$14,948
-3.5% YoY-0.4% QoQ
|
$-12K |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.6% in tier |
| CD Concentration |
16.3%
-12.4% YoY-8.8% QoQ
|
-8.0% | 24.3% | 18.6% | 19.8% | 23% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). 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)