BlastPoint's Credit Union Scorecard

ADVANTAGE ONE

Charter #68679 · MI

1077 CUs in 100M-500M nationally 67 in MI

ADVANTAGE ONE has 3 strengths but faces 8 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

+ Profitability Leader: Top 42.2% in tier
+ ROA 0.74% above tier average
+ Net Interest Margin 1.29% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 13.7% in tier
- Credit Quality Pressure: Bottom 17.4% in tier
- Credit Risk Growth: Bottom 22.1% in tier
- Indirect Auto Dependency: Bottom 28.8% in tier
- Liquidity Strain: Bottom 31.0% in tier
- Membership Headwinds: Bottom 31.3% in tier
- Delinquency rate 0.78% above tier average
- Asset Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	17,859 -0.7% YoY-0.8% QoQ	+2.2K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	67%
Assets	$250.3M -2.3% YoY-1.0% QoQ	+$19.0M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	64%
Loans	$201.2M +3.6% YoY+1.9% QoQ	+$53.4M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	76%
Deposits	$222.6M +1.6% YoY-1.6% QoQ	+$22.3M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +46.1% YoY-5.6% QoQ	+0.7%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Top 11.4% in tier
NIM	4.9% +23.0% YoY+1.8% QoQ	+1.3%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 4.1% in tier
Efficiency Ratio	67.5% -8.0% YoY+0.7% QoQ	-9.8%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	20%
Delinquency Rate	1.6% +9.3% YoY-5.2% QoQ	+0.8	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Top 11.7% in tier
Loan To Share	90.4% +1.9% YoY+3.5% QoQ	+17.7%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	Top 14.9% in tier
AMR	$23,732 +3.3% YoY+0.8% QoQ	$-632	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	58%
CD Concentration	27.1% +0.5% YoY+4.3% QoQ	+2.7%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	24.8% -5.4% YoY-0.7% QoQ	+10.9%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#144 of 340 • Top 42.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.48% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (6)

Stagnation Risk

risk

#226 of 550 • Bottom 13.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.55%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.64%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#432 of 736 • Bottom 17.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#332 of 446 • Bottom 22.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.55%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#463 of 525 • Bottom 28.8% in tier

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

Why This Signature

Asset Growth (YoY): -2.26%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 24.84%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Strain

risk

#241 of 258 • Bottom 31.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.41%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.55%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Membership Headwinds

decline

#516 of 550 • Bottom 31.3% in tier

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

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | 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 1077 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.88%

Peer Avg: -

#44 of 1077 Top 4.0% in 100M-500M tier

123

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

138

Fee Income Per Member

profitability

Value: $252.10

Peer Avg: -

#138 of 1077 Top 12.7% in 100M-500M tier

161

Loan-to-Share Ratio

balance_sheet

Value: 90.41%

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

218

Efficiency Ratio

profitability

Value: 67.49%

Peer Avg: -

#218 of 1077 Top 20.1% in 100M-500M tier

264

First Mortgage Concentration (%)

balance_sheet

Value: 17.11%

Peer Avg: -

#264 of 1077 Top 24.4% in 100M-500M tier

264

Total Loans

balance_sheet

Value: $201.23M

Peer Avg: -

#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (3 metrics)

979

Asset Growth Rate

growth

Value: -2.26%

Peer Avg: -

#979 of 1077 Bottom 9.2% in 100M-500M tier

952

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Avg: -

#952 of 1077 Bottom 11.7% in 100M-500M tier

848

Indirect Auto Concentration (%)

balance_sheet

Value: 24.84%

Peer Avg: -

#848 of 1077 Bottom 21.4% in 100M-500M tier