BlastPoint's Credit Union Scorecard

GR CONSUMERS

Charter #68332 · MI

2556 CUs in <100M nationally 59 in MI

GR CONSUMERS has 1 strength but faces 2 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

+ Fee Income Per Member: Top 1.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.35% below tier average
- Efficiency ratio 5.07% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,842 0% YoY-0.0% QoQ	+226	2,615 -1.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	65%
Assets	$50.6M +1.7% YoY+2.7% QoQ	+$20.4M	$30.1M +2.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	77%
Loans	$23.2M -0.0% YoY-3.1% QoQ	+$7.4M	$15.8M -1.3% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	75%
Deposits	$41.5M +1.8% YoY+3.5% QoQ	+$15.9M	$25.7M +1.4% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	76%

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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% -33.4% YoY-37.8% QoQ	-0.3%	0.6% +10.8% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	28%
NIM	3.1% +0.4% YoY+0.4% QoQ	-0.8%	4.0% +4.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	87.6% +1.8% YoY+4.1% QoQ	+5.1%	82.6% -2.3% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.4% -12.8% YoY+68.8% QoQ	-1.1	1.6% -3.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	38%
Loan To Share	55.8% -1.7% YoY-6.4% QoQ	-4.8%	60.6% -3.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	43%
AMR	$22,770 +1.1% YoY+1.1% QoQ	+$8K	$14,783 -1.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	Top 12.6% in tier
CD Concentration	23.6% +10.8% YoY+44.1% QoQ	-0.8%	24.4%	18.6%	19.8%	50%
Indirect Auto %	1.1% -48.8% YoY-16.1% QoQ	-12.7%	13.8%	11.8%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $346.63

Peer Median: -

#35 of 2556 Top 1.3% in <100M tier

321

Average Member Relationship (AMR)

engagement

Value: $22,770

Peer Median: -

#321 of 2556 Top 12.5% in <100M tier

439

Loan-to-Member Ratio (LMR)

engagement

Value: $8,153

Peer Median: -

#439 of 2556 Top 17.1% in <100M tier

577

Total Assets

balance_sheet

Value: $50.59M

Peer Median: -

#577 of 2556 Top 22.5% in <100M tier

606

Total Deposits

balance_sheet

Value: $41.54M

Peer Median: -

#606 of 2556 Top 23.7% in <100M tier

Top Weaknesses (5 metrics)

2202

Indirect Auto Concentration (%)

balance_sheet

Value: 1.13%

Peer Median: -

#2202 of 2556 Bottom 13.9% in <100M tier

2085

First Mortgage Concentration (%)

balance_sheet

Value: 32.23%

Peer Median: -

#2085 of 2556 Bottom 18.5% in <100M tier

2074

Members Per Employee (MPE)

engagement

Value: 218.615

Peer Median: -

#2074 of 2556 Bottom 18.9% in <100M tier

1983

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: -

#1983 of 2556 Bottom 22.5% in <100M tier

1964

Net Charge-Off Rate

risk

Value: 0.71%

Peer Median: -

#1964 of 2556 Bottom 23.2% in <100M tier