BlastPoint's Credit Union Scorecard

WEST MICHIGAN POSTAL SERVICE

Charter #7910 · MI

<100M

2508 CUs in <100M nationally 56 in MI

WEST MICHIGAN POSTAL SERVICE has 2 strengths but faces 2 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 0.48% above tier average
+ Net Interest Margin 0.65% above tier average

Key Concerns

Areas that may need attention

- Net Charge-Off Rate: Bottom 7.3% in tier
- Share Certificate Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	811 -0.7% YoY+0.4% QoQ	-1.9K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	23%
Assets	$7.3M +4.4% YoY+1.0% QoQ	$-22.9M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	26%
Loans	$4.8M +8.1% YoY-2.6% QoQ	$-10.5M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	34%
Deposits	$6.3M +3.7% YoY+0.4% QoQ	$-19.5M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	27%

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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	0.6% -45.0% YoY-16.5% QoQ	+0.5%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	51%
NIM	4.7% -2.3% YoY-0.5% QoQ	+0.7%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	74.5% -7.3% YoY-6.0% QoQ	-16.2%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.8% +109.8% YoY-8.4% QoQ	-0.7	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	56%
Loan To Share	76.4% +4.3% YoY-3.0% QoQ	+17.9%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	77%
AMR	$13,686 +6.3% YoY-1.3% QoQ	$-1K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	49%
CD Concentration	39.8% +14.0% YoY+1.2% QoQ	+15.6%	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 (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

333

Loan Growth Rate

growth

Value: 8.12%

Peer Median: -2.36%

#333 of 2508 Top 13.2% in <100M tier

463

Net Interest Margin (NIM)

profitability

Value: 4.66%

Peer Median: 3.83%

#463 of 2508 Top 18.4% in <100M tier

492

AMR Growth Rate

growth

Value: 6.32%

Peer Median: 1.27%

#492 of 2508 Top 19.6% in <100M tier

571

Loan-to-Share Ratio

balance_sheet

Value: 76.43%

Peer Median: 58.72%

#571 of 2508 Top 22.7% in <100M tier

Top Weaknesses (3 metrics)

2325

Net Charge-Off Rate

risk

Value: 1.77%

Peer Median: 0.07%

#2325 of 2508 Bottom 7.3% in <100M tier

2312

Share Certificate Concentration (%)

balance_sheet

Value: 39.85%

Peer Median: 12.45%

#2312 of 2508 Bottom 7.9% in <100M tier

1924

Total Members

engagement

Value: 811

Peer Median: 1,918

#1924 of 2508 Bottom 23.3% in <100M tier