BlastPoint's Credit Union Scorecard
PFCU
Charter #68690 · MI
PFCU has 3 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
- + ROA 0.32% above tier average
- + Net Interest Margin 0.65% above tier average
- + Share Certificate Concentration (%): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 31.2% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 7 that size in Michigan.
- Shares and deposits +5.1% year over year ($770M in shares and deposits).
- Membership: 57,165 members, +1.4% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 1.16%.
- Efficiency ratio 73.36% vs a 74.54% peer average.
- Loan-to-share ratio 73.24% vs a 82.60% 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 |
57,165
+1.4% YoY-0.0% QoQ
|
+4.7K |
52,482
+1.3% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$873.2M
+6.2% YoY+1.7% QoQ
|
+$9.3M |
$863.9M
+0.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$564.2M
+7.1% YoY+1.9% QoQ
|
$-43.6M |
$607.8M
+2.1% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$770.3M
+5.1% YoY+1.5% QoQ
|
+$30.4M |
$739.9M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
1.2%
+117.3% YoY+28.3% QoQ
|
+0.3% |
0.8%
+30.4% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
4.2%
+8.4% YoY+2.1% QoQ
|
+0.6% |
3.5%
+6.2% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
73.4%
-10.4% YoY-4.5% QoQ
|
-1.2% |
74.5%
-1.4% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
0.4%
-20.5% YoY+9.0% QoQ
|
-0.4 |
0.8%
+1.0% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
73.2%
+1.9% YoY+0.4% QoQ
|
-9.4% |
82.6%
+1.9% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$23,344
+4.5% YoY+1.7% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
16.7%
+3.0% YoY+1.6% QoQ
|
-7.9% | 24.6% | 18.8% | 20.0% | 23% |
| Indirect Auto % |
35.7%
+6.7% YoY+0.2% QoQ
|
+22.1% | 13.6% | 11.7% | 7.7% | Bottom 11.3% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)