BlastPoint's Credit Union Scorecard
GREAT LAKES FIRST
Charter #6102 · MI
GREAT LAKES FIRST has 2 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Charge-Off Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 84.0% in tier
- - Stagnation Risk: Bottom 92.8% in tier
- - Membership Headwinds: Bottom 97.8% in tier
- - Efficiency ratio 3.73% above tier (higher cost structure)
- - Total Assets: Bottom 1.6% in tier
- - Total Loans: Bottom 2.6% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Loan-to-Share Ratio: Bottom 5.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,440
-0.6% YoY-0.2% QoQ
|
-8.0K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 13.7% in tier |
| Assets |
$102.3M
+6.4% YoY+2.5% QoQ
|
$-129.6M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.5% in tier |
| Loans |
$41.1M
+2.7% YoY+0.8% QoQ
|
$-106.2M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.5% in tier |
| Deposits |
$93.2M
+3.7% YoY+2.1% QoQ
|
$-107.6M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.2% in tier |
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| ROA |
0.8%
+292.8% YoY+13.7% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.5%
+3.1% YoY+1.4% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
80.8%
-8.6% YoY-2.3% QoQ
|
+3.7% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.6%
-51.4% YoY-9.9% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
44.1%
-1.0% YoY-1.3% QoQ
|
-28.1% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.8% in tier |
| AMR |
$18,054
+4.0% YoY+1.9% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
17.0%
-6.1% YoY+2.5% QoQ
|
-7.4% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
4.0%
+94.4% YoY+2.2% QoQ
|
-9.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)