BlastPoint's Credit Union Scorecard

COMMUNITY FINANCIAL

Charter #68631 · MI

Mid-Market 1B-3B

ORSA at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

ORSA is one of 101 credit unions in the 2026 VentureTech card set. We also found ORSA's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

ORSA

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ORSA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ORSA'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 21 in MI

View Mid-Market leaderboard →

COMMUNITY FINANCIAL has 1 strength but faces 8 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 0.47% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.1% in tier
- Credit Quality Pressure: Bottom 6.2% in tier
- Liquidity Strain: Bottom 20.0% in tier
- Capital Constraint: Bottom 20.0% in tier
- Shrinking Wallet Share: Bottom 96.2% in tier
- Deposit Outflow: Bottom 97.6% in tier
- ROA 0.78% below tier average
- Efficiency ratio 19.40% above tier (higher cost structure)

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	86,714 +3.6% YoY+0.3% QoQ	-10.1K	96,861 -1.9% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	50%
Assets	$1.5B -1.8% YoY-0.3% QoQ	$-251.0M	$1.7B +0.4% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	44%
Loans	$1.3B -2.9% YoY+4.0% QoQ	+$45.3M	$1.2B +0.7% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	63%
Deposits	$1.3B -3.2% YoY-1.0% QoQ	$-165.8M	$1.5B +0.5% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	49%

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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	0.0% -87.8% YoY	-0.8%	0.8% +27.6% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Bottom 0.7% in tier
NIM	3.9% +6.1% YoY+3.6% QoQ	+0.5%	3.4% +6.6% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	79%
Efficiency Ratio	92.4% +8.9% YoY+1.2% QoQ	+19.4%	73.0% -2.7% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Bottom 2.0% in tier
Delinquency Rate	1.5% +45.2% YoY+109.2% QoQ	+0.7	0.9% +7.3% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	Bottom 10.3% in tier
Loan To Share	98.6% +0.4% YoY+5.0% QoQ	+13.9%	84.7% +0.1% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	83%
AMR	$29,720 -6.5% YoY+1.1% QoQ	+$144	$29,575 +1.5% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	58%
CD Concentration	23.7% -15.2% YoY-7.1% QoQ	-5.4%	29.1%	18.8%	20.0%	26%
Indirect Auto %	10.0% -28.4% YoY+19.6% QoQ	-8.1%	18.1%	11.7%	7.7%	37%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#53 of 112 • Top 32.5% in tier

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

Why This Signature

Member Growth (YoY): 3.64%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 10.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Organic Growth Engine

growth

#104 of 113 • Top 32.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.64%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.04%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 10.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#23 of 215 • Bottom 6.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.47% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Deposit Outflow

decline

#5 of 23 • Bottom 97.6% 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): -3.22%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 3.64%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#15 of 69 • Bottom 96.2% in tier

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

Why This Signature

AMR Growth (YoY): -6.46%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank improving

Efficiency Drag

risk

#27 of 71 • Bottom 2.1% in tier

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

Why This Signature

Efficiency Ratio: 92.42%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 3.64%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Liquidity Strain

risk

#124 of 168 • Bottom 20.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.61%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -2.88%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Capital Constraint

risk

#7 of 7 • Bottom 20.0% 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: 98.61%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -3.22%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 9.81%

(Tier: 11.45%, National: 14.66%)

worse than tier avg

7 of 377 Mid-Market CUs have this signature | 27 nationally

→ Stable (9→7 CUs) -2 CUs YoY

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 300 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.61%

Peer Median: 87.07%

#51 of 300 Top 16.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.89%

Peer Median: 3.46%

#63 of 300 Top 20.7% in 1B-3B tier

Top Weaknesses (9 metrics)

298

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: 0.77%

#298 of 300 Bottom 1.0% in 1B-3B tier

295

Efficiency Ratio

profitability

Value: 92.42%

Peer Median: 73.62%

#295 of 300 Bottom 2.0% in 1B-3B tier

290

Deposit Growth Rate

growth

Value: -3.22%

Peer Median: 4.79%

#290 of 300 Bottom 3.7% in 1B-3B tier

289

AMR Growth Rate

growth

Value: -6.46%

Peer Median: 3.19%

#289 of 300 Bottom 4.0% in 1B-3B tier

282

Asset Growth Rate

growth

Value: -1.82%

Peer Median: 5.21%

#282 of 300 Bottom 6.3% in 1B-3B tier

276

Loan Growth Rate

growth

Value: -2.88%

Peer Median: 5.71%

#276 of 300 Bottom 8.3% in 1B-3B tier

270

Total Delinquency Rate (60+ days)

risk

Value: 1.52%

Peer Median: 0.70%

#270 of 300 Bottom 10.3% in 1B-3B tier

264

Members Per Employee (MPE)

engagement

Value: 267.636

Peer Median: 346.173

#264 of 300 Bottom 12.3% in 1B-3B tier

226

Net Worth Ratio

risk

Value: 9.81%

Peer Median: 10.91%

#226 of 300 Bottom 25.0% in 1B-3B tier