BlastPoint's Credit Union Scorecard

TRUE COMMUNITY

Charter #68718 · MI

Community 750M-1B

117 CUs in 750M-1B nationally 9 in MI

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TRUE COMMUNITY has 5 strengths but faces 6 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

+ Organic Growth Engine: Top 80.8% in tier
+ ROA 0.35% above tier average
+ Net Interest Margin 1.68% above tier average
+ Total Members: Top 5.1% in tier
+ Share Certificate Concentration (%): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.9% in tier
- Credit Risk Growth: Bottom 58.7% in tier
- Indirect Auto Dependency: Bottom 61.2% in tier
- Delinquency rate 0.85% above tier average
- Average Member Relationship (AMR): Bottom 7.7% in tier
- Total Delinquency Rate (60+ days): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	81,647 +0.5% YoY-1.4% QoQ	+29.6K	52,084 -1.6% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Top 6.0% in tier
Assets	$932.7M +5.9% YoY+2.5% QoQ	+$68.8M	$863.9M +0.5% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	80%
Loans	$696.6M +0.9% YoY-0.1% QoQ	+$90.8M	$605.8M +1.4% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	79%
Deposits	$799.3M +5.2% YoY+2.4% QoQ	+$62.0M	$737.3M +0.1% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	75%

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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	1.1% +203.1% YoY+14.6% QoQ	+0.4%	0.7% +39.1% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	77%
NIM	5.1% +9.1% YoY+0.3% QoQ	+1.7%	3.4% +8.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 2.6% in tier
Efficiency Ratio	69.8% -11.8% YoY-4.1% QoQ	-4.5%	74.3% -3.6% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	29%
Delinquency Rate	1.7% +44.6% YoY+6.1% QoQ	+0.8	0.9% +3.8% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	Top 9.4% in tier
Loan To Share	87.2% -4.1% YoY-2.4% QoQ	+4.6%	82.6% +1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	54%
AMR	$18,322 +2.6% YoY+2.6% QoQ	$-11K	$28,873 +2.7% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	Bottom 6.8% in tier
CD Concentration	15.7% +9.2% YoY-2.6% QoQ	-8.8%	24.4%	18.6%	19.8%	21%
Indirect Auto %	22.0% -11.6% YoY-5.6% QoQ	+8.2%	13.8%	11.8%	7.8%	74%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#481 of 595 • Top 80.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.55%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.10%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 21.95%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#113 of 705 • Bottom 15.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.53% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#268 of 456 • Bottom 58.7% in tier

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

Why This Signature

Loan Growth (YoY): 0.93%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.53% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#310 of 506 • Bottom 61.2% in tier

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

Why This Signature

Asset Growth (YoY): 5.92%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 21.95%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.55%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

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 (8 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.07%

Peer Median: -

#3 of 117 Top 1.7% in 750M-1B tier

Total Members

engagement

Value: 81,647

Peer Median: -

#7 of 117 Top 5.1% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 15.68%

Peer Median: -

#10 of 117 Top 7.7% in 750M-1B tier

Fee Income Per Member

profitability

Value: $274.75

Peer Median: -

#21 of 117 Top 17.1% in 750M-1B tier

Total Assets

balance_sheet

Value: $932.69M

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Total Loans

balance_sheet

Value: $696.65M

Peer Median: -

#25 of 117 Top 20.5% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.10%

Peer Median: -

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

Total Deposits

balance_sheet

Value: $799.30M

Peer Median: -

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (4 metrics)

109

Average Member Relationship (AMR)

engagement

Value: $18,322

Peer Median: -

#109 of 117 Bottom 7.7% in 750M-1B tier

107

Total Delinquency Rate (60+ days)

risk

Value: 1.73%

Peer Median: -

#107 of 117 Bottom 9.4% in 750M-1B tier

104

Loan-to-Member Ratio (LMR)

engagement

Value: $8,532

Peer Median: -

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

Net Charge-Off Rate

risk

Value: 0.94%

Peer Median: -

#99 of 117 Bottom 16.2% in 750M-1B tier