BlastPoint's Credit Union Scorecard

WALLED LAKE SCHOOLS

Charter #6613 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

WALLED LAKE SCHOOLS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.22% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 0.32% above tier average
- Total Loans: Bottom 1.3% in tier
- Loan-to-Share Ratio: Bottom 1.3% in tier
- Total Members: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	5,048 -1.9% YoY-0.2% QoQ	-10.1K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Bottom 3.7% in tier
Assets	$137.5M +2.5% YoY+0.0% QoQ	$-94.2M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	24%
Loans	$30.3M -6.5% YoY-1.4% QoQ	$-113.9M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Bottom 1.2% in tier
Deposits	$118.0M +0.8% YoY+0.1% QoQ	$-83.2M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	23%

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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	0.9% +120.7% YoY-23.8% QoQ	+0.2%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	67%
NIM	3.5% +15.2% YoY+7.3% QoQ	-0.2%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	74.5% -13.1% YoY+10.9% QoQ	-3.6%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	1.1% +216.7% YoY+84.0% QoQ	+0.3	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	79%
Loan To Share	25.7% -7.2% YoY-1.5% QoQ	-44.7%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 1.2% in tier
AMR	$29,365 +1.1% YoY-0.0% QoQ	+$4K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	79%
CD Concentration	13.9% +12.8% YoY+4.1% QoQ	-10.4%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#252 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.15%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $4.8K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#59 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.75% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Stagnation Risk

risk

#134 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.45%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.09%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#154 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $137.50M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.89%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.45%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#366 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

199

Net Worth Ratio

risk

Value: 14.29%

Peer Median: 11.45%

#199 of 1070 Top 18.5% in 100M-500M tier

205

Share Certificate Concentration (%)

balance_sheet

Value: 13.89%

Peer Median: 23.10%

#205 of 1070 Top 19.1% in 100M-500M tier

225

Average Member Relationship (AMR)

engagement

Value: $29,365

Peer Median: $22,931

#225 of 1070 Top 20.9% in 100M-500M tier

243

Members Per Employee (MPE)

engagement

Value: 388.308

Peer Median: 309.176

#243 of 1070 Top 22.6% in 100M-500M tier

Top Weaknesses (9 metrics)

1057

Total Loans

balance_sheet

Value: $30.28M

Peer Median: $121.41M

#1057 of 1070 Bottom 1.3% in 100M-500M tier

1057

Loan-to-Share Ratio

balance_sheet

Value: 25.67%

Peer Median: 71.88%

#1057 of 1070 Bottom 1.3% in 100M-500M tier

1030

Total Members

engagement

Value: 5,048

Peer Median: 13,200

#1030 of 1070 Bottom 3.8% in 100M-500M tier

995

Loan Growth Rate

growth

Value: -6.45%

Peer Median: 2.93%

#995 of 1070 Bottom 7.1% in 100M-500M tier

949

Fee Income Per Member

profitability

Value: $82.39

Peer Median: $154.95

#949 of 1070 Bottom 11.4% in 100M-500M tier

924

Loan-to-Member Ratio (LMR)

engagement

Value: $5,999

Peer Median: $9,356

#924 of 1070 Bottom 13.7% in 100M-500M tier

851

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Median: 0.61%

#851 of 1070 Bottom 20.6% in 100M-500M tier

826

Total Deposits

balance_sheet

Value: $117.95M

Peer Median: $171.29M

#826 of 1070 Bottom 22.9% in 100M-500M tier

809

Total Assets

balance_sheet

Value: $137.50M

Peer Median: $196.57M

#809 of 1070 Bottom 24.5% in 100M-500M tier