BlastPoint's Credit Union Scorecard

ST. FRANCIS X

Charter #7219 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

ST. FRANCIS X has 8 strengths but faces 4 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

+ Organic Growth Engine: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.43% above tier average
+ Net Charge-Off Rate: Top 4.4% in tier
+ Total Delinquency Rate (60+ days): Top 6.0% in tier
+ Average Member Relationship (AMR): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 1.4% in tier
- Share Certificate Concentration (%): Bottom 6.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits +7.3% year over year ($231M in shares and deposits).
Membership: 10,085 members, +1.8% vs a year ago.
Delinquency rate 0.11%.
Return on assets 1.30%.
Efficiency ratio 63.35% vs a 76.73% peer average.
Loan-to-share ratio 64.33% vs a 71.54% 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	10,085 +1.8% YoY+0.7% QoQ	-5.1K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	33%
Assets	$268.8M +7.3% YoY+2.0% QoQ	+$36.8M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	68%
Loans	$148.7M +7.6% YoY+3.0% QoQ	+$2.5M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	61%
Deposits	$231.2M +7.3% YoY+2.1% QoQ	+$30.5M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	66%

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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	1.3% +39.3% YoY+7.1% QoQ	+0.4%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	80%
NIM	3.2% +12.3% YoY+2.8% QoQ	-0.5%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	63.4% -11.1% YoY-3.8% QoQ	-13.4%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Top 13.0% in tier
Delinquency Rate	0.1% -4.5% QoQ	-0.8	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	Top 6.0% in tier
Loan To Share	64.3% +0.3% YoY+0.8% QoQ	-7.2%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	33%
AMR	$37,672 +5.5% YoY+1.7% QoQ	+$13K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Top 7.7% in tier
CD Concentration	41.9% +2.8% YoY-1.2% QoQ	+17.4%	24.6%	18.8%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#140 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.84%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.30%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Relationship Depth Leader

growth

#127 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.47%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Leader

growth

#228 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.84%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#442 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.47%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#273 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.60%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#505 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | 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 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.34%

#46 of 1024 Top 4.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.71%

#62 of 1024 Top 6.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $37,672

Peer Median: $23,006

#79 of 1024 Top 7.6% in 100M-500M tier

129

Loan-to-Member Ratio (LMR)

engagement

Value: $14,747

Peer Median: $9,434

#129 of 1024 Top 12.5% in 100M-500M tier

134

Efficiency Ratio

profitability

Value: 63.35%

Peer Median: 77.26%

#134 of 1024 Top 13.0% in 100M-500M tier

201

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: 0.75%

#201 of 1024 Top 19.5% in 100M-500M tier

204

Deposit Growth Rate

growth

Value: 7.29%

Peer Median: 3.58%

#204 of 1024 Top 19.8% in 100M-500M tier

222

Asset Growth Rate

growth

Value: 7.34%

Peer Median: 4.12%

#222 of 1024 Top 21.6% in 100M-500M tier

256

Net Worth Ratio

risk

Value: 13.89%

Peer Median: 11.71%

#256 of 1024 Top 24.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1011

First Mortgage Concentration (%)

balance_sheet

Value: 73.36%

Peer Median: 29.92%

#1011 of 1024 Bottom 1.4% in 100M-500M tier

961

Share Certificate Concentration (%)

balance_sheet

Value: 41.93%

Peer Median: 23.39%

#961 of 1024 Bottom 6.2% in 100M-500M tier

807

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.67%

#807 of 1024 Bottom 21.3% in 100M-500M tier