BlastPoint's Credit Union Scorecard

PFCU

Charter #68690 · MI

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MI

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PFCU has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.15% above tier average
+ Net Interest Margin 0.62% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 57.9% in tier
- Efficiency ratio 1.24% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	57,192 +1.9% YoY+0.3% QoQ	+5.7K	51,500 +0.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	64%
Assets	$858.9M +3.2% YoY+2.9% QoQ	$-6.8M	$865.6M +0.9% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	50%
Loans	$553.7M +8.3% YoY+0.1% QoQ	$-41.5M	$595.3M +1.6% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	32%
Deposits	$759.2M +2.0% YoY+2.9% QoQ	+$17.0M	$742.2M +0.6% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	62%

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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	0.9% +46.4% YoY+0.0% QoQ	+0.1%	0.8% +45.0% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	68%
NIM	4.1% +9.4% YoY+1.0% QoQ	+0.6%	3.5% +6.1% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 13.7% in tier
Efficiency Ratio	76.8% -7.6% YoY-0.3% QoQ	+1.2%	75.5% -3.4% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.3% -34.5% YoY-43.6% QoQ	-0.3	0.7% -0.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	22%
Loan To Share	72.9% +6.1% YoY-2.7% QoQ	-7.7%	80.6% +0.7% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	24%
AMR	$22,957 +2.6% YoY+1.5% QoQ	$-6K	$28,908 +0.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	29%
CD Concentration	16.4% -10.0% YoY+1.3% QoQ	-7.9%	24.3%	18.6%	19.8%	23%
Indirect Auto %	35.7% +8.8% YoY+1.4% QoQ	+21.9%	13.8%	11.7%	7.7%	Bottom 11.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk

#244 of 504 • Bottom 57.9% in tier

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

Why This Signature

Asset Growth (YoY): 3.17%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 35.66%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.90%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 117 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 16.41%

Peer Median: 26.77%

#14 of 117 Top 11.1% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Median: 3.47%

#16 of 117 Top 12.8% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.56%

#27 of 117 Top 22.2% in 750M-1B tier

Top Weaknesses (2 metrics)

104

Indirect Auto Concentration (%)

balance_sheet

Value: 35.66%

Peer Median: 13.79%

#104 of 117 Bottom 12.0% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 72.93%

Peer Median: 84.41%

#89 of 117 Bottom 24.8% in 750M-1B tier