BlastPoint's Credit Union Scorecard
DOWNRIVER COMMUNITY
Charter #4853 · MI
DOWNRIVER COMMUNITY has 1 strength but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 30.6% in tier
- - Membership Headwinds: Bottom 47.0% in tier
- - Indirect Auto Dependency: Bottom 51.3% in tier
- - Efficiency Drag: Bottom 62.8% in tier
- - Institutional Decline: Bottom 73.2% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 4.05% above tier (higher cost structure)
- - Delinquency rate 0.12% above tier average
- - Member decline: -2.9% YoY
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,345
-2.9% YoY-0.9% QoQ
|
-3.1K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$189.3M
+2.1% YoY+1.3% QoQ
|
$-42.5M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$68.9M
-1.6% YoY-2.9% QoQ
|
$-78.4M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 15.0% in tier |
| Deposits |
$176.6M
-0.6% YoY+0.5% QoQ
|
$-24.2M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.6%
-8.5% YoY+2.4% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.6%
+1.0% YoY+0.4% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
81.1%
+0.6% YoY+0.5% QoQ
|
+4.0% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.0%
-22.9% YoY+1.5% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
39.0%
-1.0% YoY-3.4% QoQ
|
-33.2% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.8% in tier |
| AMR |
$19,890
+2.1% YoY+0.5% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
7.7%
-18.9% YoY-9.4% QoQ
|
-16.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
29.6%
+12.9% YoY-2.6% QoQ
|
+15.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)