BlastPoint's Credit Union Scorecard
TRUE COMMUNITY
Charter #68718 · MI
TRUE COMMUNITY has 5 strengths but faces 8 concerns
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 0.25% above tier average
- + Net Interest Margin 1.40% above tier average
- + Total Members: Top 4.5% in tier
- + Share Certificate Concentration (%): Top 7.2% in tier
- + Total Assets: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.3% in tier
- - Credit Risk Growth: Bottom 51.4% in tier
- - Indirect Auto Dependency: Bottom 52.9% in tier
- - Stagnation Risk: Bottom 58.3% in tier
- - Membership Headwinds: Bottom 58.3% in tier
- - Delinquency rate 0.79% above tier average
- - Net Charge-Off Rate: Bottom 8.1% in tier
- - Average Member Relationship (AMR): Bottom 9.9% 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 +5.5% year over year ($836M in shares and deposits).
- Membership: 82,329 members, -0.5% vs a year ago.
- Delinquency rate 1.59%.
- Return on assets 1.09%.
- Efficiency ratio 69.73% vs a 74.54% peer average.
- Loan-to-share ratio 86.66% 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 |
82,329
-0.5% YoY+0.7% QoQ
|
+29.8K |
52,482
+1.3% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 5.4% in tier |
| Assets |
$955.0M
+3.9% YoY+0.2% QoQ
|
+$91.0M |
$863.9M
+0.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 10.8% in tier |
| Loans |
$724.6M
+3.1% YoY+2.8% QoQ
|
+$116.8M |
$607.8M
+2.1% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$836.1M
+5.5% YoY+2.2% QoQ
|
+$96.2M |
$739.9M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 13.5% in tier |
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| ROA |
1.1%
+6.8% YoY+7.8% QoQ
|
+0.2% |
0.8%
+30.4% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.9%
+0.2% YoY+0.2% QoQ
|
+1.4% |
3.5%
+6.2% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
69.7%
-6.2% YoY-1.9% QoQ
|
-4.8% |
74.5%
-1.4% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
1.6%
+43.0% YoY+8.0% QoQ
|
+0.8 |
0.8%
+1.0% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
86.7%
-2.2% YoY+0.6% QoQ
|
+4.1% |
82.6%
+1.9% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$18,956
+4.9% YoY+1.8% QoQ
|
$-10K |
$28,702
+0.4% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
14.8%
-4.5% YoY-3.7% QoQ
|
-9.7% | 24.6% | 18.8% | 20.0% | 18% |
| Indirect Auto % |
21.3%
-11.9% YoY-0.1% QoQ
|
+7.7% | 13.6% | 11.7% | 7.7% | 73% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)