BlastPoint's Credit Union Scorecard

TRUE COMMUNITY

Charter #68718 · MI

Community 750M-1B

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

View Community leaderboard →

TRUE COMMUNITY has 4 strengths but faces 8 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 0.25% above tier average
+ Net Interest Margin 1.45% above tier average
+ Total Members: Top 4.3% in tier
+ Share Certificate Concentration (%): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.7% in tier
- Indirect Auto Dependency: Bottom 52.5% in tier
- Stagnation Risk: Bottom 57.7% in tier
- Membership Headwinds: Bottom 57.7% in tier
- Credit Risk Growth: Bottom 58.5% in tier
- Delinquency rate 0.79% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.8% in tier
- Average Member Relationship (AMR): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	81,734 -0.5% YoY+0.1% QoQ	+30.2K	51,500 +0.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Top 5.1% in tier
Assets	$953.2M +3.8% YoY+2.2% QoQ	+$87.6M	$865.6M +0.9% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Top 14.5% in tier
Loans	$704.6M +1.8% YoY+1.1% QoQ	+$109.3M	$595.3M +1.6% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	85%
Deposits	$818.0M +2.8% YoY+2.3% QoQ	+$75.8M	$742.2M +0.6% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	80%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +16.8% YoY-7.8% QoQ	+0.2%	0.8% +45.0% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	73%
NIM	4.9% +0.6% YoY-3.4% QoQ	+1.4%	3.5% +6.1% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 2.6% in tier
Efficiency Ratio	71.1% -7.5% YoY+1.8% QoQ	-4.5%	75.5% -3.4% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	1.5% +46.8% YoY-15.1% QoQ	+0.8	0.7% -0.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	Bottom 6.8% in tier
Loan To Share	86.1% -1.0% YoY-1.2% QoQ	+5.5%	80.6% +0.7% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	56%
AMR	$18,628 +2.9% YoY+1.7% QoQ	$-10K	$28,908 +0.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Bottom 6.8% in tier
CD Concentration	15.4% +4.8% YoY-1.7% QoQ	-8.9%	24.3%	18.6%	19.8%	20%
Indirect Auto %	21.3% -13.9% YoY-3.0% QoQ	+7.5%	13.8%	11.7%	7.7%	73%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#130 of 727 • Bottom 9.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.47% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#249 of 476 • Bottom 58.5% in tier

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

Why This Signature

Loan Growth (YoY): 1.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.47% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#359 of 504 • Bottom 52.5% in tier

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

Why This Signature

Asset Growth (YoY): 3.81%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.30%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#429 of 570 • Bottom 57.7% 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): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.47%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#565 of 570 • Bottom 57.7% in tier

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

Why This Signature

Member Growth (YoY): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.90%

Peer Median: 3.47%

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

Total Members

engagement

Value: 81,734

Peer Median: 51,712

#6 of 117 Top 4.3% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 15.41%

Peer Median: 26.77%

#12 of 117 Top 9.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $953.20M

Peer Median: $858.87M

#17 of 117 Top 13.7% in 750M-1B tier

Total Loans

balance_sheet

Value: $704.59M

Peer Median: $618.21M

#18 of 117 Top 14.5% in 750M-1B tier

Total Deposits

balance_sheet

Value: $817.95M

Peer Median: $735.65M

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

Fee Income Per Member

profitability

Value: $261.51

Peer Median: $187.56

#26 of 117 Top 21.4% in 750M-1B tier

Top Weaknesses (4 metrics)

110

Total Delinquency Rate (60+ days)

risk

Value: 1.47%

Peer Median: 0.56%

#110 of 117 Bottom 6.8% in 750M-1B tier

109

Average Member Relationship (AMR)

engagement

Value: $18,628

Peer Median: $26,209

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

106

Net Charge-Off Rate

risk

Value: 1.30%

Peer Median: 0.47%

#106 of 117 Bottom 10.3% in 750M-1B tier

101

Loan-to-Member Ratio (LMR)

engagement

Value: $8,621

Peer Median: $11,598

#101 of 117 Bottom 14.5% in 750M-1B tier