BlastPoint's Credit Union Scorecard
COMMUNITY FINANCIAL
Charter #68631 · MI
COMMUNITY FINANCIAL has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 41.6% in tier
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.7% in tier
- - Capital Constraint: Bottom 25.3% in tier
- - Liquidity Strain: Bottom 25.3% in tier
- - Deposit Outflow: Bottom 98.2% in tier
- - Shrinking Wallet Share: Bottom 98.4% in tier
- - ROA 0.76% below tier average
- - Efficiency ratio 16.67% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,442
+2.9% YoY+3.1% QoQ
|
-9.6K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$1.5B
-3.8% YoY+0.3% QoQ
|
$-241.5M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$1.2B
-9.2% YoY-2.9% QoQ
|
+$16.6M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$1.3B
-5.1% YoY+0.6% QoQ
|
$-155.2M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
-0.0%
-130.5% YoY-179.6% QoQ
|
-0.8% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.3% in tier |
| NIM |
3.8%
+9.8% YoY-3.5% QoQ
|
+0.4% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
91.3%
+5.3% YoY+1.5% QoQ
|
+16.7% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
0.7%
-29.1% YoY-29.4% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
93.9%
-4.3% YoY-3.5% QoQ
|
+10.7% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$29,392
-9.8% YoY-4.2% QoQ
|
$-260 |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
25.5%
-17.7% YoY-10.8% QoQ
|
-3.3% | 28.8% | 18.6% | 19.8% | 37% |
| Indirect Auto % |
8.4%
-44.8% YoY-28.4% QoQ
|
-9.7% | 18.1% | 11.7% | 7.7% | 34% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (5)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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.
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)