BlastPoint's Credit Union Scorecard

GENISYS

Charter #68536 · MI

Large 5B-7B

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

View Large leaderboard →

GENISYS has 8 strengths but faces 5 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

+ Relationship Depth Leader: Top 6.2% in tier
+ Wallet Share Momentum: Top 6.2% in tier
+ Organic Growth Engine: Top 75.0% in tier
+ Organic Growth Leader: Top 75.0% in tier
+ ROA 0.79% above tier average
+ Loan Growth Rate: Top 0.1% in tier
+ Net Worth Ratio: Top 0.1% in tier
+ Efficiency Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.7% in tier
- Liquidity Strain: Bottom 12.1% in tier
- Credit Quality Pressure: Bottom 51.6% in tier
- Delinquency rate 0.31% above tier average
- Share Certificate Concentration (%): Bottom 7.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Michigan.
Shares and deposits +16.3% year over year ($5.45B in shares and deposits).
Membership: 296,987 members, +0.8% vs a year ago.
Delinquency rate 1.09%.
Return on assets 1.72%.
Efficiency ratio 40.64% vs a 65.18% peer average.
Loan-to-share ratio 98.89% vs a 85.64% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	296,987 +0.8% YoY+1.1% QoQ	-13.9K	310,918 +6.0% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	41%
Assets	$6.6B +15.7% YoY+1.8% QoQ	+$766.6M	$5.8B -1.1% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	80%
Loans	$5.4B +24.6% YoY+8.0% QoQ	+$1.2B	$4.2B -0.7% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Top 10.3% in tier
Deposits	$5.5B +16.3% YoY+1.6% QoQ	+$558.5M	$4.9B -1.3% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	82%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.7% +2.5% YoY+3.0% QoQ	+0.8%	0.9% +35.3% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Top 5.1% in tier
NIM	3.2% +5.2% YoY+3.5% QoQ	+0.0%	3.2% +9.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	49%
Efficiency Ratio	40.6% -2.0% YoY+3.8% QoQ	-24.5%	65.2% -9.0% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Top 2.6% in tier
Delinquency Rate	1.1% +0.0% YoY+21.7% QoQ	+0.3	0.8% +23.8% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	80%
Loan To Share	98.9% +7.1% YoY+6.4% QoQ	+13.2%	85.6% -0.2% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	Top 12.8% in tier
AMR	$36,521 +19.3% YoY+3.5% QoQ	+$5K	$32,010 -7.3% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	77%
CD Concentration	43.9% +12.9% YoY+0.8% QoQ	+15.5%	28.3%	18.8%	20.0%	Top 6.1% in tier
Indirect Auto %	10.7% -10.1% YoY+0.5% QoQ	-6.1%	16.8%	11.7%	7.7%	36%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#2 of 16 • Top 6.2% 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): 19.31%

(Tier: 4.16%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.3K, National: $2.1K)

but worse than tier avg

16 of 67 Large CUs have this signature | 354 nationally

→ Stable (12→16 CUs) +4 CUs YoY | New qualifier

Wallet Share Momentum

growth

#4 of 20 • Top 6.2% 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: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY

Organic Growth Engine

growth

#14 of 22 • Top 75.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.84%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.72%

(Tier: 0.96%, National: 1.23%)

better than tier avg

Indirect Auto %: 10.70%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 490 nationally

↓ Shrinking -25 CUs YoY | Rank worsening

Organic Growth Leader

growth

#20 of 22 • Top 75.0% in tier

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

Why This Signature

Member Growth (YoY): 0.84%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 10.70%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 485 nationally

→ Stable (27→22 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk

#5 of 28 • Bottom 12.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.89%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 24.62%

(Tier: 7.79%, National: 78.26%)

but better than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY | Rank improving

Credit Risk Growth

risk

#14 of 28 • Bottom 4.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 24.62%

(Tier: 7.79%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#33 of 33 • Bottom 51.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | Rank worsening

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 39 peers in tier

Top Strengths (14 metrics)

Loan Growth Rate

growth

Value: 24.62%

Peer Median: 4.22%

#1 of 39 Top 0.1% in 5B-7B tier

Net Worth Ratio

risk

Value: 15.47%

Peer Median: 10.43%

#1 of 39 Top 0.1% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 1.72%

Peer Median: 0.85%

#2 of 39 Top 2.6% in 5B-7B tier

Efficiency Ratio

profitability

Value: 40.64%

Peer Median: 66.17%

#2 of 39 Top 2.6% in 5B-7B tier

AMR Growth Rate

growth

Value: 19.31%

Peer Median: 2.28%

#2 of 39 Top 2.6% in 5B-7B tier

Asset Growth Rate

growth

Value: 15.70%

Peer Median: 6.34%

#3 of 39 Top 5.1% in 5B-7B tier

Deposit Growth Rate

growth

Value: 16.33%

Peer Median: 6.19%

#3 of 39 Top 5.1% in 5B-7B tier

Total Loans

balance_sheet

Value: $5.39B

Peer Median: $4.31B

#4 of 39 Top 7.7% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.89%

Peer Median: 89.91%

#5 of 39 Top 10.3% in 5B-7B tier

Total Deposits

balance_sheet

Value: $5.45B

Peer Median: $4.80B

#7 of 39 Top 15.4% in 5B-7B tier

Top Weaknesses (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 43.85%

Peer Median: 29.09%

#37 of 39 Bottom 7.7% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Median: 0.67%

#32 of 39 Bottom 20.5% in 5B-7B tier