BlastPoint's Credit Union Scorecard
PORT CITY
Charter #5116 · MI
PORT CITY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,674
-3.8% YoY-0.1% QoQ
|
+58 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$41.8M
+4.9% YoY+5.4% QoQ
|
+$11.6M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$14.8M
+4.7% YoY+6.6% QoQ
|
$-988K |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$36.5M
+5.8% YoY+5.6% QoQ
|
+$10.8M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.7%
+32.3% YoY+28.6% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
2.6%
+12.1% YoY+1.6% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
78.5%
-4.3% YoY-5.1% QoQ
|
-4.1% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.0%
-81.1% YoY-34.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
40.5%
-1.0% YoY+1.0% QoQ
|
-20.1% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$19,179
+9.7% YoY+6.0% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
24.4%
+21.5% YoY+3.9% QoQ
|
-0.0% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)