BlastPoint's Credit Union Scorecard
BARAGA COUNTY
Charter #7672 · MI
BARAGA COUNTY shows strong momentum with 5 strengths and 7.7% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Strong member growth: 7.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.0% in tier
- + Net Charge-Off Rate: Top 6.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,842
+7.7% YoY-0.1% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 15.0% in tier |
| Assets |
$61.0M
+7.7% YoY+0.8% QoQ
|
+$30.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$19.8M
+3.3% YoY-2.4% QoQ
|
+$4.0M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$55.6M
+5.1% YoY+1.8% QoQ
|
+$29.9M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
85% |
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| ROA |
1.2%
+94.3% YoY+21.5% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
2.7%
+19.9% YoY+2.1% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio |
67.1%
-14.8% YoY-5.8% QoQ
|
-15.5% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.2%
+1148.5% YoY+93.3% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
35.6%
-1.7% YoY-4.2% QoQ
|
-25.0% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$15,567
-2.8% YoY+0.8% QoQ
|
+$784 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
13.9%
-20.2% YoY-10.7% QoQ
|
-10.5% | 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)