BlastPoint's Credit Union Scorecard

COMMUNITY FINANCIAL

Charter #68631 · MI

Mid-Market 1B-3B

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

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COMMUNITY FINANCIAL has 1 strength but faces 13 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 0.62% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.0% in tier
- Capital Constraint: Bottom 16.7% in tier
- Deposit Outflow: Bottom 16.7% in tier
- Shrinking Wallet Share: Bottom 18.0% in tier
- Liquidity Strain: Bottom 75.2% in tier
- ROA 0.63% below tier average
- Efficiency ratio 15.92% above tier (higher cost structure)
- Delinquency rate 0.13% above tier average
- Asset Growth Rate: Bottom 3.0% in tier
- Loan Growth Rate: Bottom 3.0% in tier
- Deposit Growth Rate: Bottom 3.3% in tier
- AMR Growth Rate: Bottom 4.6% in tier
- Members Per Employee (MPE): Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	83,834 -0.2% YoY+0.3% QoQ	-13.6K	97,431 -2.4% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	46%
Assets	$1.5B -6.7% YoY-0.6% QoQ	$-249.8M	$1.7B +0.9% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	47%
Loans	$1.3B -8.4% YoY-2.6% QoQ	+$33.3M	$1.2B +0.5% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	63%
Deposits	$1.3B -4.5% YoY-1.5% QoQ	$-156.1M	$1.5B +0.9% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	50%

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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	0.1% +69.4% YoY-79.2% QoQ	-0.6%	0.7% +20.9% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Bottom 5.3% in tier
NIM	3.9% +14.4% YoY+1.4% QoQ	+0.6%	3.3% +9.2% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 14.2% in tier
Efficiency Ratio	90.0% +0.3% YoY+4.5% QoQ	+15.9%	74.1% -9.5% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	Top 3.3% in tier
Delinquency Rate	1.0% -4.7% YoY+4.5% QoQ	+0.1	0.9% +6.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	72%
Loan To Share	97.3% -4.1% YoY-1.1% QoQ	+12.5%	84.8% -0.8% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	81%
AMR	$30,667 -6.3% YoY-2.4% QoQ	+$1K	$29,428 +2.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	64%
CD Concentration	28.6% -9.4% YoY-2.4% QoQ	-0.4%	29.0%	18.6%	19.8%	50%
Indirect Auto %	11.7% -28.6% YoY-7.9% QoQ	-6.6%	18.3%	11.8%	7.8%	41%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#1 of 90 • Bottom 0.0% in tier

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

Why This Signature

Efficiency Ratio: 89.97%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.19%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Capital Constraint

risk

#2 of 7 • Bottom 16.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 97.28%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -4.52%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 10.22%

(Tier: 11.27%, National: 14.49%)

worse than tier avg

7 of 378 Mid-Market CUs have this signature | 32 nationally

→ No prior data (7 CUs now) | New qualifier

Deposit Outflow

decline

#4 of 19 • Bottom 16.7% 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): -4.52%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.19%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 CUs now) | New qualifier

Shrinking Wallet Share

decline

#15 of 79 • Bottom 18.0% in tier

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

Why This Signature

AMR Growth (YoY): -6.28%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Liquidity Strain

risk

#125 of 166 • Bottom 75.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.28%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -8.39%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 302 peers in tier

Top Strengths (2 metrics)

Net Interest Margin (NIM)

profitability

Value: 3.90%

Peer Median: -

#43 of 302 Top 13.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.28%

Peer Median: -

#57 of 302 Top 18.5% in 1B-3B tier

Top Weaknesses (7 metrics)

294

Asset Growth Rate

growth

Value: -6.69%

Peer Median: -

#294 of 302 Bottom 3.0% in 1B-3B tier

294

Loan Growth Rate

growth

Value: -8.39%

Peer Median: -

#294 of 302 Bottom 3.0% in 1B-3B tier

293

Efficiency Ratio

profitability

Value: 89.97%

Peer Median: -

#293 of 302 Bottom 3.3% in 1B-3B tier

293

Deposit Growth Rate

growth

Value: -4.52%

Peer Median: -

#293 of 302 Bottom 3.3% in 1B-3B tier

289

AMR Growth Rate

growth

Value: -6.28%

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

286

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Median: -

#286 of 302 Bottom 5.6% in 1B-3B tier

284

Members Per Employee (MPE)

engagement

Value: 254.042

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier