BlastPoint's Credit Union Scorecard
COMMUNITY FINANCIAL
Charter #68631 · MI
COMMUNITY FINANCIAL has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 32.5% in tier
- + Organic Growth Engine: Top 32.5% in tier
- + 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)
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits -3.2% year over year ($1.30B in shares and deposits).
- Membership: 86,714 members, +3.6% vs a year ago.
- Delinquency rate 1.52%.
- Return on assets 0.04%.
- Efficiency ratio 92.42% vs a 73.02% peer average.
- Loan-to-share ratio 98.61% vs a 84.71% 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 |
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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| 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
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)