BlastPoint's Credit Union Scorecard

AWAKON

Charter #7465 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

AWAKON has 5 strengths but faces 3 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
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.87% above tier average
+ Net Interest Margin 1.06% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.34% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	14,830 +1.1% YoY+0.4% QoQ	-315	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	58%
Assets	$201.9M +6.9% YoY+2.3% QoQ	$-29.8M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	52%
Loans	$137.6M +3.1% YoY+1.3% QoQ	$-6.5M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	58%
Deposits	$172.2M +5.4% YoY+2.8% QoQ	$-29.0M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	50%

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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	1.6% +1.9% YoY-12.7% QoQ	+0.9%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 8.7% in tier
NIM	4.7% +2.7% YoY-0.6% QoQ	+1.1%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 6.7% in tier
Efficiency Ratio	71.2% +4.8% YoY+8.1% QoQ	-6.8%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	1.1% +54.2% YoY-9.2% QoQ	+0.3	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	80%
Loan To Share	79.9% -2.2% YoY-1.4% QoQ	+9.5%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	68%
AMR	$20,889 +3.2% YoY+1.7% QoQ	$-4K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	38%
CD Concentration	14.2% -3.7% YoY-2.4% QoQ	-10.1%	24.3%	18.6%	19.8%	50%
Indirect Auto %	7.2% -22.1% YoY-8.1% QoQ	-6.6%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#198 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.13%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.60%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 7.20%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#94 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.60%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.13%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#297 of 371 • 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): 1.13%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 7.20%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#171 of 727 • 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): 0.39% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#213 of 476 • 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): 3.09%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.39% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 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 1070 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.69%

Peer Median: 3.62%

#72 of 1070 Top 6.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.60%

Peer Median: 0.69%

#93 of 1070 Top 8.6% in 100M-500M tier

202

Fee Income Per Member

profitability

Value: $218.50

Peer Median: $154.95

#202 of 1070 Top 18.8% in 100M-500M tier

215

Share Certificate Concentration (%)

balance_sheet

Value: 14.19%

Peer Median: 23.10%

#215 of 1070 Top 20.0% in 100M-500M tier

Top Weaknesses (2 metrics)

857

Total Delinquency Rate (60+ days)

risk

Value: 1.11%

Peer Median: 0.61%

#857 of 1070 Bottom 20.0% in 100M-500M tier

818

Members Per Employee (MPE)

engagement

Value: 260.175

Peer Median: 309.176

#818 of 1070 Bottom 23.6% in 100M-500M tier