BlastPoint's Credit Union Scorecard
LIVE LIFE
Charter #7927 · MI
<100M
2782 CUs in <100M nationally
71 in MI
LIVE LIFE has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Total Deposits: Top 6.6% in tier
- + Total Assets: Top 9.4% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.34% below tier average
- - Efficiency ratio 58.07% above tier (higher cost structure)
- - Member decline: -9.6% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 0.5% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,003
-9.6% YoY-2.3% QoQ
|
-1.7K |
2,683
-1.2% YoY
|
32,634
+4.2% YoY
|
31,195
+5.6% YoY
|
29% |
| Assets |
$74.9M
+14.6% YoY-3.1% QoQ
|
+$45.4M |
$29.5M
+0.1% YoY
|
$578.0M
+9.9% YoY
|
$507.9M
+7.0% YoY
|
Top 9.4% in tier |
| Loans |
$42.7M
-3.3% YoY-3.2% QoQ
|
+$26.6M |
$16.1M
+0.3% YoY
|
$401.8M
+8.1% YoY
|
$358.1M
+5.9% YoY
|
Top 9.5% in tier |
| Deposits |
$70.8M
+18.0% YoY-0.6% QoQ
|
+$45.5M |
$25.4M
-0.8% YoY
|
$489.1M
+8.6% YoY
|
$425.3M
+6.5% YoY
|
Top 6.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-2.4%
+3314.7% YoY+14.1% QoQ
|
-2.3% |
-0.1%
-119.4% YoY
|
1.0%
+36.4% YoY
|
0.2%
-69.3% YoY
|
Bottom 2.8% in tier |
| NIM |
1.6%
-11.7% YoY+13.5% QoQ
|
-2.2% |
3.8%
+12.5% YoY
|
3.4%
+6.8% YoY
|
3.6%
+9.2% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
141.5%
+39.9% YoY+14.1% QoQ
|
+58.1% |
83.4%
-1.6% YoY
|
77.0%
-2.0% YoY
|
81.8%
-0.3% YoY
|
Bottom 2.8% in tier |
| Delinquency Rate |
1.0%
-39.1% YoY+51.4% QoQ
|
-0.6 |
1.5%
+12.6% YoY
|
1.1%
+36.3% YoY
|
1.2%
+14.8% YoY
|
62% |
| Loan To Share |
60.3%
-18.1% YoY-2.6% QoQ
|
-2.8% |
63.1%
+2.1% YoY
|
67.9%
+0.0% YoY
|
69.2%
+1.2% YoY
|
46% |
| AMR |
$113,213
+20.5% YoY+0.8% QoQ
|
+$98K |
$15,039
+4.8% YoY
|
$21,509
+3.6% YoY
|
$19,175
+3.6% YoY
|
Top 0.1% in tier |
| CD Concentration | 0.0% | -23.4% | 23.4% | 17.5% | 18.5% | 50% |
| Indirect Auto % | 0.0% | -14.8% | 14.8% | 12.3% | 8.1% | 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2782
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2782
Top 0.1% in <100M tier
4
Fee Income Per Member
profitability
Value:
$1,768
Peer Median: -
#4 of 2782
Top 0.1% in <100M tier
4
Loan-to-Member Ratio (LMR)
engagement
Value:
$42,591
Peer Median: -
#4 of 2782
Top 0.1% in <100M tier
6
Average Member Relationship (AMR)
engagement
Value:
$74,720
Peer Median: -
#6 of 2782
Top 0.2% in <100M tier
185
Total Deposits
balance_sheet
Value:
$70.83M
Peer Median: -
#185 of 2782
Top 6.6% in <100M tier
262
Total Assets
balance_sheet
Value:
$74.94M
Peer Median: -
#262 of 2782
Top 9.4% in <100M tier
263
Total Loans
balance_sheet
Value:
$42.72M
Peer Median: -
#263 of 2782
Top 9.4% in <100M tier
Top Weaknesses (11 metrics)
2782
AMR Growth Rate
growth
Value:
-
Peer Median: -
#2782 of 2782
Bottom 0.1% in <100M tier
2782
Member Growth Rate
growth
Value:
-
Peer Median: -
#2782 of 2782
Bottom 0.1% in <100M tier
2782
Asset Growth Rate
growth
Value:
-
Peer Median: -
#2782 of 2782
Bottom 0.1% in <100M tier
2782
Loan Growth Rate
growth
Value:
-
Peer Median: -
#2782 of 2782
Bottom 0.1% in <100M tier
2768
Net Worth Ratio
risk
Value:
4.99%
Peer Median: -
#2768 of 2782
Bottom 0.5% in <100M tier
2732
First Mortgage Concentration (%)
balance_sheet
Value:
72.04%
Peer Median: -
#2732 of 2782
Bottom 1.8% in <100M tier
2706
Net Interest Margin (NIM)
profitability
Value:
1.62%
Peer Median: -
#2706 of 2782
Bottom 2.8% in <100M tier
2705
Return on Assets (ROA)
profitability
Value:
-2.45%
Peer Median: -
#2705 of 2782
Bottom 2.8% in <100M tier
2695
Efficiency Ratio
profitability
Value:
113.06%
Peer Median: -
#2695 of 2782
Bottom 3.2% in <100M tier
2635
Members Per Employee (MPE)
engagement
Value:
83.583
Peer Median: -
#2635 of 2782
Bottom 5.3% in <100M tier