BlastPoint's Credit Union Scorecard

STRAITS AREA

Charter #7428 · MI

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

STRAITS AREA has 2 strengths but faces 10 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 0.46% above tier average
+ Net Interest Margin 0.50% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.5% in tier
- Credit Risk Growth: Bottom 24.8% in tier
- Stagnation Risk: Bottom 77.9% in tier
- Membership Headwinds: Bottom 88.6% in tier
- Delinquency rate 1.75% above tier average
- Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- Average Member Relationship (AMR): Bottom 5.2% in tier
- Total Loans: Bottom 6.4% in tier
- Loan-to-Share Ratio: Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	12,086 -0.9% YoY+0.2% QoQ	-3.4K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	43%
Assets	$127.7M +3.7% YoY+1.0% QoQ	$-104.2M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	18%
Loans	$52.9M +5.6% YoY-0.5% QoQ	$-94.5M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Bottom 6.3% in tier
Deposits	$111.8M +1.7% YoY+1.1% QoQ	$-89.0M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	19%

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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	1.2% +34.4% YoY+4.4% QoQ	+0.5%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	80%
NIM	4.1% +13.1% YoY+3.7% QoQ	+0.5%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	78%
Efficiency Ratio	72.2% -5.5% YoY-2.9% QoQ	-4.8%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	31%
Delinquency Rate	2.6% +21.8% YoY+9.6% QoQ	+1.7	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	Top 3.6% in tier
Loan To Share	47.3% +3.8% YoY-1.6% QoQ	-24.9%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Bottom 8.7% in tier
AMR	$13,627 +3.9% YoY+0.4% QoQ	$-11K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	Bottom 5.1% in tier
CD Concentration	15.9% -23.3% YoY+4.1% QoQ	-8.6%	24.4%	18.6%	19.8%	50%
Indirect Auto %	7.0% +1683.3% YoY+13.5% QoQ	-6.7%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#138 of 705 • Bottom 19.5% 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: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#114 of 456 • Bottom 24.8% in tier

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

Why This Signature

Loan Growth (YoY): 5.57%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.47% points

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

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

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

Stagnation Risk

risk

#432 of 554 • Bottom 77.9% 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): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 5.57%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 2.64%

(Tier: 0.89%, National: 1.28%)

worse 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

#491 of 554 • Bottom 88.6% in tier

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

Why This Signature

Member Growth (YoY): -0.93%

(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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

208

Return on Assets (ROA)

profitability

Value: 1.23%

Peer Median: -

#208 of 1069 Top 19.4% in 100M-500M tier

237

First Mortgage Concentration (%)

balance_sheet

Value: 15.68%

Peer Median: -

#237 of 1069 Top 22.1% in 100M-500M tier

239

Net Interest Margin (NIM)

profitability

Value: 4.11%

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

263

Members Per Employee (MPE)

engagement

Value: 377.688

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

267

Share Certificate Concentration (%)

balance_sheet

Value: 15.86%

Peer Median: -

#267 of 1069 Top 24.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1042

Loan-to-Member Ratio (LMR)

engagement

Value: $4,375

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1031

Total Delinquency Rate (60+ days)

risk

Value: 2.64%

Peer Median: -

#1031 of 1069 Bottom 3.6% in 100M-500M tier

1014

Average Member Relationship (AMR)

engagement

Value: $13,627

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

1002

Total Loans

balance_sheet

Value: $52.88M

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

976

Loan-to-Share Ratio

balance_sheet

Value: 47.29%

Peer Median: -

#976 of 1069 Bottom 8.8% in 100M-500M tier

885

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: -

#885 of 1069 Bottom 17.3% in 100M-500M tier

871

Total Assets

balance_sheet

Value: $127.69M

Peer Median: -

#871 of 1069 Bottom 18.6% in 100M-500M tier

865

Total Deposits

balance_sheet

Value: $111.82M

Peer Median: -

#865 of 1069 Bottom 19.2% in 100M-500M tier