BlastPoint's Credit Union Scorecard
IRON MOUNTAIN KINGSFORD COMMUNITY
Charter #5660 · MI
IRON MOUNTAIN KINGSFORD COMMUNITY has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 0.59% above tier average
- + Efficiency Ratio: Top 5.8% in tier
- + Share Certificate Concentration (%): Top 6.1% in tier
- + Net Worth Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 15.6% in tier
- - Liquidity Overhang: Bottom 18.7% in tier
- - Membership Headwinds: Bottom 65.1% in tier
- - Stagnation Risk: Bottom 79.6% in tier
- - Credit Quality Pressure: Bottom 87.2% in tier
- - Credit Risk Growth: Bottom 98.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Total Loans: Bottom 2.0% in tier
- - Fee Income Per Member: Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,127
-1.9% YoY-0.6% QoQ
|
-5.3K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$144.8M
+3.3% YoY+1.4% QoQ
|
$-87.1M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$36.2M
+0.8% YoY-1.4% QoQ
|
$-111.2M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.9% in tier |
| Deposits |
$118.5M
+1.5% YoY+1.3% QoQ
|
$-82.3M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
24% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.0%
-13.0% YoY-1.5% QoQ
|
+1.2% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 2.4% in tier |
| NIM |
4.2%
-7.6% YoY-1.2% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
58.3%
+6.6% YoY+0.5% QoQ
|
-18.7% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.8% in tier |
| Delinquency Rate |
0.3%
+16.5% YoY+29.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
30.5%
-0.7% YoY-2.7% QoQ
|
-41.7% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$15,275
+3.3% YoY+1.2% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
6.7%
+6.6% YoY-1.2% QoQ
|
-17.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
1.4%
+43.5% YoY-12.2% QoQ
|
-12.4% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)