BlastPoint's Credit Union Scorecard
FINANCIAL PLUS
Charter #68646 · MI
FINANCIAL PLUS has 9 strengths but faces 1 concern
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 Engine: Top 16.2% in tier
- + Wallet Share Momentum: Top 17.4% in tier
- + Organic Growth Leader: Top 22.7% in tier
- + Emerging Performer: Top 59.1% in tier
- + Profitability Leader: Top 100.0% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.76% above tier average
- + Loan Growth Rate: Top 4.3% in tier
- + AMR Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,014
+2.2% YoY+1.0% QoQ
|
-15.7K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$1.5B
+10.8% YoY+1.5% QoQ
|
$-183.0M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$1.1B
+20.4% YoY+3.4% QoQ
|
$-100.5M |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$1.2B
+9.8% YoY+1.2% QoQ
|
$-212.9M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
46% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+5.2% YoY+13.9% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.0%
+5.6% YoY+1.5% QoQ
|
+0.8% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
66.7%
-3.6% YoY-1.6% QoQ
|
-7.3% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.5%
-19.2% YoY+21.6% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
91.2%
+9.7% YoY+2.1% QoQ
|
+6.0% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$28,598
+12.1% YoY+1.2% QoQ
|
$-575 |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
26.7%
+9.5% YoY+2.6% QoQ
|
-2.3% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
41% |
| Indirect Auto % |
13.7%
-13.9% YoY-3.3% QoQ
|
-5.0% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
44% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (1)
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)