BlastPoint's Credit Union Scorecard
BREAKWATER
Charter #8212 · MI
BREAKWATER has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.45% above tier average
- + Net Interest Margin 0.64% above tier average
- + Efficiency Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,390
+0.1% YoY-0.3% QoQ
|
-4.8K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$138.4M
+8.1% YoY+2.5% QoQ
|
$-93.4M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$80.0M
-1.8% YoY-3.0% QoQ
|
$-64.1M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$120.2M
+6.1% YoY+2.1% QoQ
|
$-81.0M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
2.2%
+50.3% YoY+22.2% QoQ
|
+1.4% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.1% in tier |
| NIM |
4.3%
+11.8% YoY+6.6% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
58.8%
-17.1% YoY-9.6% QoQ
|
-19.2% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
0.4%
+101.6% YoY-9.6% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
66.6%
-7.4% YoY-4.9% QoQ
|
-3.8% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$19,270
+2.7% YoY+0.3% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
13.1%
+1.4% YoY-6.5% QoQ
|
-11.2% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
14.6%
-13.0% YoY-0.5% QoQ
|
+0.8% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)