BlastPoint's Credit Union Scorecard

BREAKWATER

Charter #8212 · MI

1077 CUs in 100M-500M nationally 67 in MI

BREAKWATER has 5 strengths but faces 1 concern

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 27.7% in tier
+ Credit Quality Leader: Top 79.7% in tier
+ ROA 0.89% above tier average
+ Net Interest Margin 0.36% above tier average
+ Net Charge-Off Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 24.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	10,433 +0.4% YoY+0.2% QoQ	-5.2K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	32%
Assets	$131.5M +6.7% YoY+0.6% QoQ	$-99.8M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	21%
Loans	$83.7M -0.2% YoY+0.9% QoQ	$-64.1M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	24%
Deposits	$114.6M +4.3% YoY+0.1% QoQ	$-85.7M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	21%

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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	1.7% +55.2% YoY+10.0% QoQ	+0.9%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Top 7.7% in tier
NIM	3.9% +18.7% YoY+2.4% QoQ	+0.4%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	70%
Efficiency Ratio	66.9% -9.2% YoY-3.1% QoQ	-10.4%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	18%
Delinquency Rate	0.3% -43.8% YoY+94.4% QoQ	-0.5	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	20%
Loan To Share	73.1% -4.4% YoY+0.8% QoQ	+0.4%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	47%
AMR	$19,009 +1.9% YoY+0.2% QoQ	$-5K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	29%
CD Concentration	13.1% -8.3% YoY+4.0% QoQ	-11.3%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.3% -13.3% YoY-6.2% QoQ	+1.3%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#95 of 340 • Top 27.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.67%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.60% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Credit Quality Leader

growth

#271 of 340 • Top 79.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.33%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.26% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#399 of 525 • Bottom 24.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.67%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 15.26%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Avg: -

#96 of 1077 Top 8.8% in 100M-500M tier

188

Share Certificate Concentration (%)

balance_sheet

Value: 13.13%

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

196

Efficiency Ratio

profitability

Value: 66.89%

Peer Avg: -

#196 of 1077 Top 18.1% in 100M-500M tier

222

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

Top Weaknesses (4 metrics)

850

Total Assets

balance_sheet

Value: $131.46M

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

849

Total Deposits

balance_sheet

Value: $114.58M

Peer Avg: -

#849 of 1077 Bottom 21.3% in 100M-500M tier

824

First Mortgage Concentration (%)

balance_sheet

Value: 42.60%

Peer Avg: -

#824 of 1077 Bottom 23.6% in 100M-500M tier

815

Total Loans

balance_sheet

Value: $83.74M

Peer Avg: -

#815 of 1077 Bottom 24.4% in 100M-500M tier