BlastPoint's Credit Union Scorecard

GR CONSUMERS

Charter #68332 · MI

<100M

2508 CUs in <100M nationally 56 in MI

GR CONSUMERS has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.16% above tier average
+ Fee Income Per Member: Top 4.8% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 0.69% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,827 +0.1% YoY-0.5% QoQ	+150	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	65%
Assets	$52.0M +2.0% YoY+2.8% QoQ	+$21.8M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	78%
Loans	$23.3M +3.9% YoY+0.4% QoQ	+$8.0M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	76%
Deposits	$42.9M +2.6% YoY+3.3% QoQ	+$17.1M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	77%

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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% -230.2% YoY+13.3% QoQ	+0.2%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	35%
NIM	3.4% +5.4% YoY+7.2% QoQ	-0.7%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	91.3% -5.2% YoY+4.2% QoQ	+0.7%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	0.1% -67.8% YoY-72.6% QoQ	-1.4	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	24%
Loan To Share	54.2% +1.3% YoY-2.8% QoQ	-4.3%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	44%
AMR	$23,413 +2.9% YoY+2.8% QoQ	+$9K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Top 11.5% in tier
CD Concentration	23.1% +8.9% YoY-2.1% QoQ	-1.1%	24.3%	18.6%	19.8%	50%
Indirect Auto %	1.0% -49.4% YoY-11.4% QoQ	-12.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

121

Fee Income Per Member

profitability

Value: $201.22

Peer Median: $60.42

#121 of 2508 Top 4.8% in <100M tier

288

Average Member Relationship (AMR)

engagement

Value: $23,413

Peer Median: $13,926

#288 of 2508 Top 11.4% in <100M tier

406

Loan-to-Member Ratio (LMR)

engagement

Value: $8,230

Peer Median: $4,923

#406 of 2508 Top 16.1% in <100M tier

540

Total Assets

balance_sheet

Value: $52.00M

Peer Median: $21.86M

#540 of 2508 Top 21.5% in <100M tier

576

Total Deposits

balance_sheet

Value: $42.92M

Peer Median: $18.77M

#576 of 2508 Top 22.9% in <100M tier

593

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.65%

#593 of 2508 Top 23.6% in <100M tier

597

Loan Growth Rate

growth

Value: 3.90%

Peer Median: -2.36%

#597 of 2508 Top 23.8% in <100M tier

607

Total Loans

balance_sheet

Value: $23.27M

Peer Median: $9.48M

#607 of 2508 Top 24.2% in <100M tier

Top Weaknesses (3 metrics)

2169

Indirect Auto Concentration (%)

balance_sheet

Value: 1.00%

Peer Median: 0.00%

#2169 of 2508 Bottom 13.6% in <100M tier

2097

First Mortgage Concentration (%)

balance_sheet

Value: 35.15%

Peer Median: 3.66%

#2097 of 2508 Bottom 16.4% in <100M tier

2029

Members Per Employee (MPE)

engagement

Value: 217.462

Peer Median: 333.750

#2029 of 2508 Bottom 19.1% in <100M tier