BlastPoint's Credit Union Scorecard

BREAKWATER

Charter #8212 · MI

1069 CUs in 100M-500M nationally 68 in MI

BREAKWATER demonstrates 4 strengths

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 57.6% in tier
+ Organic Growth Leader: Top 98.3% in tier
+ ROA 1.02% above tier average
+ Net Interest Margin 0.40% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	10,422 +0.6% YoY-0.1% QoQ	-5.0K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	33%
Assets	$135.0M +8.3% YoY+2.7% QoQ	$-96.9M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	23%
Loans	$82.5M +0.4% YoY-1.5% QoQ	$-64.9M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	24%
Deposits	$117.8M +5.9% YoY+2.8% QoQ	$-83.1M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	23%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% +48.9% YoY+6.3% QoQ	+1.0%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Top 4.5% in tier
NIM	4.0% +16.0% YoY+1.5% QoQ	+0.4%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	65.1% -10.3% YoY-2.7% QoQ	-12.0%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	15%
Delinquency Rate	0.4% -16.0% YoY+25.5% QoQ	-0.5	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	24%
Loan To Share	70.0% -5.1% YoY-4.2% QoQ	-2.2%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	42%
AMR	$19,212 +3.0% YoY+1.1% QoQ	$-5K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	28%
CD Concentration	14.0% +3.3% YoY+6.4% QoQ	-10.5%	24.4%	18.6%	19.8%	50%
Indirect Auto %	14.7% -11.9% YoY-3.5% QoQ	+0.9%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#343 of 595 • Top 57.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.56%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.78%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 14.73%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#419 of 426 • Top 98.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.56%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 14.73%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

Return on Assets (ROA)

profitability

Value: 1.78%

Peer Median: -

#48 of 1069 Top 4.4% in 100M-500M tier

111

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

165

Efficiency Ratio

profitability

Value: 65.05%

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

204

Share Certificate Concentration (%)

balance_sheet

Value: 13.97%

Peer Median: -

#204 of 1069 Top 19.0% in 100M-500M tier

232

Asset Growth Rate

growth

Value: 8.29%

Peer Median: -

#232 of 1069 Top 21.6% in 100M-500M tier

263

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (4 metrics)

827

Total Deposits

balance_sheet

Value: $117.75M

Peer Median: -

#827 of 1069 Bottom 22.7% in 100M-500M tier

824

Total Assets

balance_sheet

Value: $134.98M

Peer Median: -

#824 of 1069 Bottom 23.0% in 100M-500M tier

816

First Mortgage Concentration (%)

balance_sheet

Value: 42.73%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier

813

Total Loans

balance_sheet

Value: $82.47M

Peer Median: -

#813 of 1069 Bottom 24.0% in 100M-500M tier