BlastPoint's Credit Union Scorecard
GOGEBIC COUNTY
Charter #7644 · MI
GOGEBIC COUNTY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.82% above tier average
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 7.6% in tier
- + Asset Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,784
-2.1% YoY+0.4% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$37.9M
+9.6% YoY+3.5% QoQ
|
+$7.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$12.0M
-13.3% YoY-5.9% QoQ
|
$-3.8M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$31.5M
+8.4% YoY+3.4% QoQ
|
+$5.8M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
2.4%
-7.0% YoY-0.8% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 2.9% in tier |
| NIM |
5.0%
+1.9% YoY-1.9% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
55.6%
+5.3% YoY+2.3% QoQ
|
-27.0% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
0.7%
-45.0% YoY+62.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
37.9%
-20.0% YoY-9.0% QoQ
|
-22.7% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$11,490
+3.5% YoY+0.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
2.2%
+28.2% YoY+10.8% QoQ
|
-22.2% | 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)