BlastPoint's Credit Union Scorecard
AWAKON
Charter #7465 · MI
AWAKON has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.2% in tier
- + Profitability Leader: Top 13.9% in tier
- + Organic Growth Leader: Top 26.7% in tier
- + Emerging Performer: Top 53.2% in tier
- + ROA 1.11% above tier average
- + Net Interest Margin 1.02% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.23% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,786
+1.1% YoY+0.3% QoQ
|
-842 |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$197.5M
+5.2% YoY-2.1% QoQ
|
$-33.8M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$136.7M
+1.9% YoY+0.9% QoQ
|
$-11.1M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$170.0M
+4.4% YoY-2.3% QoQ
|
$-30.2M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
1.9%
+42.9% YoY-5.7% QoQ
|
+1.1% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 4.1% in tier |
| NIM |
4.6%
+6.0% YoY+1.0% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
64.3%
-6.7% YoY+0.9% QoQ
|
-13.0% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
1.1%
-5.2% YoY+7.5% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
80.4%
-2.4% YoY+3.3% QoQ
|
+7.7% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$20,746
+2.1% YoY-1.1% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
14.1%
+16.1% YoY+14.7% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.2%
-26.0% YoY-6.9% QoQ
|
-5.8% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)