BlastPoint's Credit Union Scorecard

NORTHWEST CONSUMERS

Charter #8077 · MI

<100M

2508 CUs in <100M nationally 56 in MI

NORTHWEST CONSUMERS 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 0.88% above tier average
+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.8% YoY
- Net Charge-Off Rate: Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,297 -2.8% YoY-1.1% QoQ	-379	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	58%
Assets	$25.9M -3.3% YoY+1.1% QoQ	$-4.3M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	55%
Loans	$12.7M -9.3% YoY-3.8% QoQ	$-2.6M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	58%
Deposits	$20.5M -4.3% YoY+3.4% QoQ	$-5.3M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	53%

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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	1.0% -32.7% YoY-39.3% QoQ	+0.9%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	70%
NIM	4.4% -3.8% YoY-6.8% QoQ	+0.4%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	84.5% +23.4% YoY+19.5% QoQ	-6.1%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	57%
Delinquency Rate	1.4% +18.8% YoY+20.8% QoQ	-0.1	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	72%
Loan To Share	61.7% -5.3% YoY-6.9% QoQ	+3.2%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	54%
AMR	$14,441 -3.6% YoY+1.7% QoQ	$-443	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	53%
CD Concentration	5.3% -21.7% YoY-7.1% QoQ	-19.0%	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 (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

283

Fee Income Per Member

profitability

Value: $150.31

Peer Median: $60.42

#283 of 2508 Top 11.2% in <100M tier

Top Weaknesses (5 metrics)

2291

Net Charge-Off Rate

risk

Value: 1.59%

Peer Median: 0.07%

#2291 of 2508 Bottom 8.7% in <100M tier

1975

Asset Growth Rate

growth

Value: -3.32%

Peer Median: 1.30%

#1975 of 2508 Bottom 21.3% in <100M tier

1973

Deposit Growth Rate

growth

Value: -4.28%

Peer Median: 0.66%

#1973 of 2508 Bottom 21.4% in <100M tier

1954

AMR Growth Rate

growth

Value: -3.61%

Peer Median: 1.27%

#1954 of 2508 Bottom 22.1% in <100M tier

1895

Loan Growth Rate

growth

Value: -9.32%

Peer Median: -2.36%

#1895 of 2508 Bottom 24.5% in <100M tier