BlastPoint's Credit Union Scorecard

LAKESHORE

Charter #8709 · MI

<100M

2508 CUs in <100M nationally 56 in MI

LAKESHORE has 2 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 0.25% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,628 +1.7% YoY+0.6% QoQ	-48	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	62%
Assets	$45.9M +6.8% YoY+2.6% QoQ	+$15.7M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	74%
Loans	$13.2M -3.1% YoY-3.8% QoQ	$-2.1M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	59%
Deposits	$40.3M +7.0% YoY+2.9% QoQ	+$14.6M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	75%

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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	0.4% +69.2% YoY-18.0% QoQ	+0.2%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	40%
NIM	2.5% +5.4% YoY-1.4% QoQ	-1.5%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Bottom 8.2% in tier
Efficiency Ratio	85.0% -4.5% YoY+2.7% QoQ	-5.7%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.0% -100.0% YoY-100.0% QoQ	-1.5	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	32.7% -9.5% YoY-6.6% QoQ	-25.8%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 14.1% in tier
AMR	$20,362 +2.6% YoY+0.6% QoQ	+$5K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	79%
CD Concentration	25.9% -14.4% YoY+0.2% QoQ	+1.6%	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 (9 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

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

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

389

Deposit Growth Rate

growth

Value: 7.03%

Peer Median: 0.66%

#389 of 2508 Top 15.5% in <100M tier

394

Asset Growth Rate

growth

Value: 6.77%

Peer Median: 1.30%

#394 of 2508 Top 15.7% in <100M tier

430

Fee Income Per Member

profitability

Value: $129.73

Peer Median: $60.42

#430 of 2508 Top 17.1% in <100M tier

435

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#435 of 2508 Top 17.3% in <100M tier

465

Member Growth Rate

growth

Value: 1.74%

Peer Median: -1.37%

#465 of 2508 Top 18.5% in <100M tier

516

Average Member Relationship (AMR)

engagement

Value: $20,362

Peer Median: $13,926

#516 of 2508 Top 20.5% in <100M tier

620

Total Deposits

balance_sheet

Value: $40.34M

Peer Median: $18.77M

#620 of 2508 Top 24.7% in <100M tier

Top Weaknesses (4 metrics)

2302

Net Interest Margin (NIM)

profitability

Value: 2.54%

Peer Median: 3.83%

#2302 of 2508 Bottom 8.3% in <100M tier

2226

First Mortgage Concentration (%)

balance_sheet

Value: 43.38%

Peer Median: 3.66%

#2226 of 2508 Bottom 11.3% in <100M tier

2153

Loan-to-Share Ratio

balance_sheet

Value: 32.66%

Peer Median: 58.72%

#2153 of 2508 Bottom 14.2% in <100M tier

1914

Share Certificate Concentration (%)

balance_sheet

Value: 25.86%

Peer Median: 12.45%

#1914 of 2508 Bottom 23.7% in <100M tier