BlastPoint's Credit Union Scorecard

COMMUNITY FINANCIAL

Charter #68631 · MI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 19 in MI

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COMMUNITY FINANCIAL has 1 strength but faces 17 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 7.9% in tier
- Shrinking Wallet Share: Bottom 7.9% in tier
- Credit Quality Pressure: Bottom 12.9% in tier
- Accelerating Exit Risk: Bottom 15.9% in tier
- Institutional Decline: Bottom 24.5% in tier
- Liquidity Strain: Bottom 26.0% in tier
- Membership Headwinds: Bottom 32.6% in tier
- Stagnation Risk: Bottom 32.6% in tier
- Deposit Outflow: Bottom 78.3% in tier
- ROA 0.42% below tier average
- Efficiency ratio 12.12% above tier (higher cost structure)
- Delinquency rate 0.16% above tier average
- Loan Growth Rate: Bottom 3.9% in tier
- Members Per Employee (MPE): Bottom 4.6% in tier
- Asset Growth Rate: Bottom 5.9% in tier
- AMR Growth Rate: Bottom 6.6% in tier
- Deposit Growth Rate: Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	83,545 -0.6% YoY-0.1% QoQ	-15.1K	98,678 -1.9% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	45%
Assets	$1.5B -4.2% YoY-1.2% QoQ	$-237.5M	$1.7B +0.5% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	47%
Loans	$1.3B -7.9% YoY-1.2% QoQ	+$68.6M	$1.2B +0.5% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	64%
Deposits	$1.3B -2.2% YoY-1.3% QoQ	$-131.5M	$1.5B +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	51%

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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% -1436.5% YoY-1.6% QoQ	-0.4%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Bottom 12.8% in tier
NIM	3.8% +15.8% YoY+4.7% QoQ	+0.6%	3.3% +9.3% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	84%
Efficiency Ratio	86.1% -7.9% YoY+1.4% QoQ	+12.1%	74.0% -10.9% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Top 7.2% in tier
Delinquency Rate	1.0% +16.3% YoY-5.9% QoQ	+0.2	0.8% +6.1% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	75%
Loan To Share	98.4% -5.8% YoY+0.1% QoQ	+13.2%	85.2% -0.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	82%
AMR	$31,414 -4.6% YoY-1.1% QoQ	+$2K	$29,172 +2.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	70%
CD Concentration	29.3% -16.3% YoY+4.8% QoQ	+0.3%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	53%
Indirect Auto %	12.7% -27.8% YoY-9.3% QoQ	-6.1%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	42%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Efficiency Drag

risk

#27 of 96 • Bottom 7.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.09%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -0.61%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#25 of 83 • Bottom 7.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.56%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk

#100 of 217 • Bottom 12.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#8 of 13 • Bottom 15.9% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.61%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -4.56%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

13 of 380 Mid-Market CUs have this signature | 73 nationally

↓ Shrinking -8 CUs YoY | New qualifier

Institutional Decline

decline

#26 of 31 • Bottom 24.5% in tier

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

Why This Signature

Total Assets: $1.48B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -0.61%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -7.92%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Liquidity Strain

risk

#137 of 183 • Bottom 26.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.40%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -7.92%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Membership Headwinds

decline

#79 of 85 • Bottom 32.6% in tier

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

Why This Signature

Member Growth (YoY): -0.61%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk

#79 of 85 • Bottom 32.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.61%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -7.92%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.98%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Deposit Outflow

decline

#19 of 24 • Bottom 78.3% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.24%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.61%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 3.84%

Peer Avg: -

#49 of 304 Top 15.8% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.40%

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

Fee Income Per Member

profitability

Value: $261.24

Peer Avg: -

#60 of 304 Top 19.4% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,581

Peer Avg: -

#62 of 304 Top 20.1% in 1B-3B tier

Top Weaknesses (9 metrics)

293

Loan Growth Rate

growth

Value: -7.92%

Peer Avg: -

#293 of 304 Bottom 3.9% in 1B-3B tier

291

Members Per Employee (MPE)

engagement

Value: 244.284

Peer Avg: -

#291 of 304 Bottom 4.6% in 1B-3B tier

287

Asset Growth Rate

growth

Value: -4.23%

Peer Avg: -

#287 of 304 Bottom 5.9% in 1B-3B tier

285

AMR Growth Rate

growth

Value: -4.56%

Peer Avg: -

#285 of 304 Bottom 6.6% in 1B-3B tier

283

Efficiency Ratio

profitability

Value: 86.09%

Peer Avg: -

#283 of 304 Bottom 7.2% in 1B-3B tier

280

Deposit Growth Rate

growth

Value: -2.24%

Peer Avg: -

#280 of 304 Bottom 8.2% in 1B-3B tier

265

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Avg: -

#265 of 304 Bottom 13.2% in 1B-3B tier

230

Member Growth Rate

growth

Value: -0.61%

Peer Avg: -

#230 of 304 Bottom 24.7% in 1B-3B tier

230

Total Delinquency Rate (60+ days)

risk

Value: 0.98%

Peer Avg: -

#230 of 304 Bottom 24.7% in 1B-3B tier