BlastPoint's Credit Union Scorecard

JOLT

Charter #68703 · MI

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

JOLT has 6 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

  • + ROA 0.04% above tier average
  • + Net Interest Margin 0.03% above tier average
  • + Total Assets: Top 2.9% in tier
  • + Total Deposits: Top 3.5% in tier
  • + Total Members: Top 9.4% in tier
  • + Fee Income Per Member: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 60.0% in tier
  • - Indirect Auto Dependency: Bottom 89.5% in tier
  • - Stagnation Risk: Bottom 89.5% in tier
  • - Membership Headwinds: Bottom 95.3% in tier
  • - Efficiency ratio 2.30% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 27,518
-0.7% YoY-0.4% QoQ
 +12.1K 15,437
-2.9% YoY
 35,710
+6.8% YoY
 33,374
+5.7% YoY
 Top 9.4% in tier
Assets $472.5M
+1.5% YoY+0.3% QoQ
 +$240.6M $231.9M
+1.3% YoY
 $674.6M
+13.3% YoY
 $561.6M
+9.7% YoY
 Top 3.0% in tier
Loans $250.9M
-0.4% YoY+1.6% QoQ
 +$103.6M $147.3M
-0.1% YoY
 $472.4M
+13.5% YoY
 $397.0M
+8.8% YoY
 Top 13.8% in tier
Deposits $404.4M
+1.7% YoY+2.5% QoQ
 +$203.5M $200.8M
+0.8% YoY
 $573.0M
+13.1% YoY
 $477.3M
+9.7% YoY
 Top 3.6% in tier

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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 0.8%
+156.5% YoY+22.0% QoQ
 +0.0% 0.8%
+18.2% YoY
 0.9%
-8.5% YoY
 0.7%
+15.9% YoY
 54%
NIM 3.6%
+21.8% YoY+1.8% QoQ
 +0.0% 3.6%
+6.7% YoY
 3.8%
+7.8% YoY
 3.8%
+5.1% YoY
 51%
Efficiency Ratio 79.3%
-6.6% YoY-3.5% QoQ
 +2.3% 77.0%
-3.1% YoY
 75.4%
-1.6% YoY
 79.7%
-3.3% YoY
 57%
Delinquency Rate 0.3%
-25.8% YoY+18.1% QoQ
 -0.6 0.9%
+4.2% YoY
 0.9%
-8.5% YoY
 1.3%
-2.1% YoY
 16%
Loan To Share 62.1%
-2.1% YoY-0.9% QoQ
 -10.2% 72.2%
-1.1% YoY
 67.1%
-0.1% YoY
 67.4%
-1.7% YoY
 27%
AMR $23,813
+1.6% YoY+2.6% QoQ
 $-863 $24,676
+3.4% YoY
 $22,475
+5.7% YoY
 $19,687
+2.0% YoY
 57%
CD Concentration 17.6%
-6.7% YoY-2.7% QoQ
 -6.8% 24.4% 18.6% 19.8% 50%
Indirect Auto % 20.3%
-5.1% YoY-7.2% QoQ
 +6.5% 13.8% 11.8% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Flatlined Growth

risk
#25 of 41 • Bottom 60.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature
Asset Growth (YoY): 1.53%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Return on Assets: 0.80%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally
→ No prior data (41 CUs now) | New qualifier

Indirect Auto Dependency

risk
#453 of 506 • Bottom 89.5% 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 %: 20.30%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -0.72%
(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
#496 of 554 • Bottom 89.5% 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): -0.72%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -0.41%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.30%
(Tier: 0.89%, National: 1.28%)
but better 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
#528 of 554 • Bottom 95.3% in tier

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

Why This Signature
Member Growth (YoY): -0.72%
(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)

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

32
Total Assets
balance_sheet
Value: $472.47M
Peer Median: -
#32 of 1069 Top 2.9% in 100M-500M tier
38
Total Deposits
balance_sheet
Value: $404.35M
Peer Median: -
#38 of 1069 Top 3.5% in 100M-500M tier
101
Total Members
engagement
Value: 27,518
Peer Median: -
#101 of 1069 Top 9.4% in 100M-500M tier
102
Fee Income Per Member
profitability
Value: $268.19
Peer Median: -
#102 of 1069 Top 9.4% in 100M-500M tier
148
Total Loans
balance_sheet
Value: $250.94M
Peer Median: -
#148 of 1069 Top 13.8% in 100M-500M tier
167
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Median: -
#167 of 1069 Top 15.5% in 100M-500M tier

Top Weaknesses (3 metrics)

922
Members Per Employee (MPE)
engagement
Value: 237.224
Peer Median: -
#922 of 1069 Bottom 13.8% in 100M-500M tier
908
First Mortgage Concentration (%)
balance_sheet
Value: 48.51%
Peer Median: -
#908 of 1069 Bottom 15.2% in 100M-500M tier
817
Asset Growth Rate
growth
Value: 1.53%
Peer Median: -
#817 of 1069 Bottom 23.7% in 100M-500M tier
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