BlastPoint's Credit Union Scorecard

GENISYS

Charter #68536 · MI

Large 5B-7B

37 CUs in 5B-7B nationally 1 in MI

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GENISYS has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 4.7% in tier
+ Organic Growth Engine: Top 78.1% in tier
+ Organic Growth Leader: Top 78.1% in tier
+ ROA 0.81% above tier average
+ Efficiency Ratio: Top 0.1% in tier
+ Loan Growth Rate: Top 0.1% in tier
+ AMR Growth Rate: Top 0.1% in tier
+ Net Worth Ratio: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 27.3% in tier
- Delinquency rate 0.20% above tier average
- Share Certificate Concentration (%): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	293,736 +0.6% YoY-0.6% QoQ	-14.1K	307,793 +7.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	43%
Assets	$6.4B +16.0% YoY+3.7% QoQ	+$670.7M	$5.8B -0.2% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	76%
Loans	$5.0B +24.2% YoY+4.3% QoQ	+$836.8M	$4.2B +0.4% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	78%
Deposits	$5.4B +16.4% YoY+3.9% QoQ	+$473.3M	$4.9B +0.2% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	78%

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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	1.7% -1.4% YoY+1.7% QoQ	+0.8%	0.9% +47.0% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 8.1% in tier
NIM	3.1% +3.9% YoY+1.9% QoQ	+0.0%	3.2% +9.8% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	39.2% -4.3% YoY-6.6% QoQ	-27.4%	66.6% -11.0% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Top 0.1% in tier
Delinquency Rate	0.9% -6.9% YoY-21.4% QoQ	+0.2	0.7% +23.3% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	81%
Loan To Share	93.0% +6.6% YoY+0.4% QoQ	+8.3%	84.7% -0.7% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	73%
AMR	$35,272 +19.3% YoY+4.8% QoQ	+$3K	$32,237 -7.3% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	73%
CD Concentration	43.5% +17.8% YoY+2.5% QoQ	+14.9%	28.6%	18.6%	19.8%	Top 6.1% in tier
Indirect Auto %	10.6% -13.7% YoY-0.9% QoQ	-5.7%	16.4%	11.7%	7.7%	38%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#3 of 15 • Top 4.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 19.31%

(Tier: 4.10%, National: 6.36%)

better than tier avg

15 of 66 Large CUs have this signature | 637 nationally

→ Stable (12→15 CUs) +3 CUs YoY | New qualifier

Organic Growth Engine

growth

#15 of 22 • Top 78.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.61%

(Tier: 4.32%, National: 10.19%)

but worse than tier avg

Return on Assets: 1.67%

(Tier: 0.90%, National: 0.39%)

better than tier avg

Indirect Auto %: 10.65%

(Tier: 16.37%, National: 7.73%)

better than tier avg

22 of 66 Large CUs have this signature | 499 nationally

→ No prior data (22 CUs now) | New qualifier

Organic Growth Leader

growth

#22 of 22 • Top 78.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.61%

(Tier: 4.32%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 10.65%

(Tier: 16.37%, National: 7.73%)

better than tier avg

22 of 66 Large CUs have this signature | 518 nationally

→ No prior data (22 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#11 of 26 • Bottom 27.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.97%

(Tier: 82.82%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 24.16%

(Tier: 7.53%, National: 1.74%)

but better than tier avg

26 of 66 Large CUs have this signature | 367 nationally

→ Stable (27→26 CUs) -1 CUs YoY | 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 37 peers in tier

Top Strengths (14 metrics)

Efficiency Ratio

profitability

Value: 39.16%

Peer Median: 68.24%

#1 of 37 Top 0.1% in 5B-7B tier

Loan Growth Rate

growth

Value: 24.16%

Peer Median: 4.82%

#1 of 37 Top 0.1% in 5B-7B tier

AMR Growth Rate

growth

Value: 19.31%

Peer Median: 2.98%

#1 of 37 Top 0.1% in 5B-7B tier

Net Worth Ratio

risk

Value: 15.30%

Peer Median: 10.38%

#1 of 37 Top 0.1% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: 0.75%

#3 of 37 Top 5.4% in 5B-7B tier

Asset Growth Rate

growth

Value: 15.99%

Peer Median: 7.02%

#3 of 37 Top 5.4% in 5B-7B tier

Deposit Growth Rate

growth

Value: 16.43%

Peer Median: 7.47%

#3 of 37 Top 5.4% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,994

Peer Median: $13,954

#7 of 37 Top 16.2% in 5B-7B tier

Total Deposits

balance_sheet

Value: $5.37B

Peer Median: $4.75B

#8 of 37 Top 18.9% in 5B-7B tier

Total Loans

balance_sheet

Value: $4.99B

Peer Median: $4.22B

#8 of 37 Top 18.9% in 5B-7B tier

Top Weaknesses (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 43.52%

Peer Median: 29.06%

#35 of 37 Bottom 8.1% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.90%

Peer Median: 0.65%

#31 of 37 Bottom 18.9% in 5B-7B tier