BlastPoint's Credit Union Scorecard
AWAKON
Charter #7465 · MI
AWAKON has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.61% above tier average
- + Net Interest Margin 1.03% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Delinquency rate 0.97% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.8% 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 -0.9% year over year ($172M in shares and deposits).
- Membership: 14,905 members, +1.1% vs a year ago.
- Delinquency rate 1.86%.
- Return on assets 1.47%.
- Efficiency ratio 70.86% vs a 76.73% peer average.
- Loan-to-share ratio 80.28% 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 |
14,905
+1.1% YoY+0.5% QoQ
|
-263 |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$202.7M
+0.6% YoY+0.4% QoQ
|
$-29.3M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$138.4M
+2.2% YoY+0.6% QoQ
|
$-7.9M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$172.4M
-0.9% YoY+0.1% QoQ
|
$-28.3M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
1.5%
-26.6% YoY-8.1% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 13.5% in tier |
| NIM |
4.7%
+3.3% YoY+0.5% QoQ
|
+1.0% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
70.9%
+11.3% YoY-0.5% QoQ
|
-5.9% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
1.9%
+83.5% YoY+66.7% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.8% in tier |
| Loan To Share |
80.3%
+3.1% YoY+0.4% QoQ
|
+8.7% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$20,852
-0.6% YoY-0.2% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
13.8%
+13.0% YoY-2.4% QoQ
|
-10.7% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
7.0%
-20.3% YoY-2.6% QoQ
|
-6.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)