BlastPoint's Credit Union Scorecard

ADVANTAGE ONE

Charter #68679 · MI

1069 CUs in 100M-500M nationally 68 in MI

ADVANTAGE ONE has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 75.4% in tier
+ ROA 0.72% above tier average
+ Net Interest Margin 1.35% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 78.8% in tier
- Indirect Auto Dependency: Bottom 79.4% in tier
- Stagnation Risk: Bottom 87.5% in tier
- Membership Headwinds: Bottom 94.0% in tier
- Delinquency rate 0.27% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	17,815 -0.7% YoY-0.2% QoQ	+2.4K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	68%
Assets	$256.9M +1.5% YoY+2.6% QoQ	+$25.0M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	65%
Loans	$207.3M +6.5% YoY+3.0% QoQ	+$60.0M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	77%
Deposits	$227.1M +4.7% YoY+2.0% QoQ	+$26.3M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	66%

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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	1.5% +38.3% YoY-2.9% QoQ	+0.7%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Top 11.1% in tier
NIM	5.0% +18.5% YoY+1.5% QoQ	+1.3%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 3.2% in tier
Efficiency Ratio	68.0% -5.5% YoY+0.8% QoQ	-9.0%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	1.2% -13.3% YoY-28.7% QoQ	+0.3	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	77%
Loan To Share	91.3% +1.8% YoY+1.0% QoQ	+19.1%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Top 11.9% in tier
AMR	$24,386 +6.3% YoY+2.8% QoQ	$-290	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	60%
CD Concentration	26.9% +5.4% YoY-0.7% QoQ	+2.5%	24.4%	18.6%	19.8%	50%
Indirect Auto %	24.8% -3.7% YoY-0.1% QoQ	+11.0%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#387 of 513 • Top 75.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.33%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#180 of 228 • Bottom 78.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.28%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 6.52%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#402 of 506 • Bottom 79.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.53%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 24.81%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Stagnation Risk

risk

#485 of 554 • Bottom 87.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 6.52%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.17%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#521 of 554 • Bottom 94.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.95%

Peer Median: -

#34 of 1069 Top 3.1% in 100M-500M tier

119

Return on Assets (ROA)

profitability

Value: 1.49%

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

123

Fee Income Per Member

profitability

Value: $259.09

Peer Median: -

#123 of 1069 Top 11.4% in 100M-500M tier

127

Loan-to-Share Ratio

balance_sheet

Value: 91.28%

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

214

Efficiency Ratio

profitability

Value: 68.03%

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

242

Total Loans

balance_sheet

Value: $207.32M

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

258

First Mortgage Concentration (%)

balance_sheet

Value: 17.02%

Peer Median: -

#258 of 1069 Top 24.0% in 100M-500M tier

Top Weaknesses (4 metrics)

878

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: -

#878 of 1069 Bottom 18.0% in 100M-500M tier

844

Indirect Auto Concentration (%)

balance_sheet

Value: 24.81%

Peer Median: -

#844 of 1069 Bottom 21.1% in 100M-500M tier

828

Total Delinquency Rate (60+ days)

risk

Value: 1.17%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier

818

Asset Growth Rate

growth

Value: 1.53%

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier