BlastPoint's Credit Union Scorecard

BREAKWATER

Charter #8212 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

BREAKWATER has 3 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

+ 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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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)

No strengths identified

Concerns (1)

Credit Quality Pressure

risk

#347 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 2.17%

Peer Median: 0.69%

#23 of 1070 Top 2.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.82%

Peer Median: 78.68%

#75 of 1070 Top 6.9% in 100M-500M tier

167

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: 3.62%

#167 of 1070 Top 15.5% in 100M-500M tier

180

Share Certificate Concentration (%)

balance_sheet

Value: 13.06%

Peer Median: 23.10%

#180 of 1070 Top 16.7% in 100M-500M tier

184

Asset Growth Rate

growth

Value: 8.11%

Peer Median: 3.91%

#184 of 1070 Top 17.1% in 100M-500M tier

Top Weaknesses (5 metrics)

817

First Mortgage Concentration (%)

balance_sheet

Value: 42.54%

Peer Median: 29.47%

#817 of 1070 Bottom 23.7% in 100M-500M tier

816

Loan Growth Rate

growth

Value: -1.75%

Peer Median: 2.93%

#816 of 1070 Bottom 23.8% in 100M-500M tier

810

Total Deposits

balance_sheet

Value: $120.18M

Peer Median: $171.29M

#810 of 1070 Bottom 24.4% in 100M-500M tier

809

Total Loans

balance_sheet

Value: $80.03M

Peer Median: $121.41M

#809 of 1070 Bottom 24.5% in 100M-500M tier

806

Total Assets

balance_sheet

Value: $138.35M

Peer Median: $196.57M

#806 of 1070 Bottom 24.8% in 100M-500M tier