BlastPoint's Credit Union Scorecard

BARAGA COUNTY

Charter #7672 · MI

<100M

2508 CUs in <100M nationally 56 in MI

BARAGA COUNTY shows strong momentum with 3 strengths and 7.3% YoY member growth

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 0.97% above tier average
+ Strong member growth: 7.3% YoY
+ Member Growth Rate: Top 4.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	4,817 +7.3% YoY-0.5% QoQ	+2.1K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Top 14.5% in tier
Assets	$62.4M +8.0% YoY+2.4% QoQ	+$32.2M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	84%
Loans	$19.7M +5.5% YoY-0.6% QoQ	+$4.4M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	70%
Deposits	$57.1M +5.7% YoY+2.7% QoQ	+$31.3M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Top 13.9% in tier

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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	1.1% +183.2% YoY-4.2% QoQ	+1.0%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	73%
NIM	2.9% +23.7% YoY+8.9% QoQ	-1.1%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	68.9% -20.8% YoY+2.7% QoQ	-21.7%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.4% +165.2% YoY+66.4% QoQ	-1.2	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	38%
Loan To Share	34.4% -0.2% YoY-3.2% QoQ	-24.1%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	16%
AMR	$15,929 -1.5% YoY+2.3% QoQ	+$1K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	60%
CD Concentration	13.7% -4.2% YoY-1.3% QoQ	-10.6%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

117

Member Growth Rate

growth

Value: 7.31%

Peer Median: -1.37%

#117 of 2508 Top 4.6% in <100M tier

287

Asset Growth Rate

growth

Value: 8.04%

Peer Median: 1.30%

#287 of 2508 Top 11.4% in <100M tier

348

Total Deposits

balance_sheet

Value: $57.07M

Peer Median: $18.77M

#348 of 2508 Top 13.8% in <100M tier

364

Total Members

engagement

Value: 4,817

Peer Median: 1,918

#364 of 2508 Top 14.5% in <100M tier

401

Total Assets

balance_sheet

Value: $62.42M

Peer Median: $21.86M

#401 of 2508 Top 15.9% in <100M tier

481

Loan Growth Rate

growth

Value: 5.47%

Peer Median: -2.36%

#481 of 2508 Top 19.1% in <100M tier

514

Deposit Growth Rate

growth

Value: 5.71%

Peer Median: 0.66%

#514 of 2508 Top 20.5% in <100M tier

603

Efficiency Ratio

profitability

Value: 68.91%

Peer Median: 81.45%

#603 of 2508 Top 24.0% in <100M tier

Top Weaknesses (3 metrics)

2115

Loan-to-Share Ratio

balance_sheet

Value: 34.44%

Peer Median: 58.72%

#2115 of 2508 Bottom 15.7% in <100M tier

2087

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.83%

#2087 of 2508 Bottom 16.8% in <100M tier

2028

Net Worth Ratio

risk

Value: 10.25%

Peer Median: 14.28%

#2028 of 2508 Bottom 19.2% in <100M tier