BlastPoint's Credit Union Scorecard
TRAVERSE CATHOLIC
Charter #6844 · MI
TRAVERSE CATHOLIC has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Total Deposits: Top 2.1% in tier
- + Total Assets: Top 3.6% in tier
- + Total Loans: Top 4.5% in tier
- + Total Members: Top 6.5% in tier
- + Loan Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,714
-2.9% YoY-0.7% QoQ
|
+4.1K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 6.5% in tier |
| Assets |
$91.0M
+5.3% YoY+2.5% QoQ
|
+$60.9M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 3.7% in tier |
| Loans |
$52.1M
+11.0% YoY+4.9% QoQ
|
+$36.3M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 4.5% in tier |
| Deposits |
$82.2M
+2.9% YoY+1.9% QoQ
|
+$56.5M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 2.2% in tier |
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| ROA |
1.1%
+94.5% YoY+5.3% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.6%
+23.8% YoY+3.7% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
70.7%
-11.5% YoY-0.4% QoQ
|
-11.8% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.2%
-64.2% YoY-42.6% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
63.4%
+8.0% YoY+3.0% QoQ
|
+2.8% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$20,000
+9.1% YoY+3.8% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
10.6%
-2.2% YoY-5.4% QoQ
|
-13.8% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
21.8%
-6.3% YoY-1.2% QoQ
|
+8.0% | 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)