BlastPoint's Credit Union Scorecard
ST. MICHAELS
Charter #11340 · CO
ST. MICHAELS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - Total Members: Bottom 4.2% in tier
- - Total Assets: Bottom 5.4% in tier
- - Total Deposits: Bottom 6.3% in tier
- - Total Loans: Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
187
-1.1% YoY+1.1% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.1% in tier |
| Assets |
$993,900
+1.7% YoY+0.3% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.3% in tier |
| Loans |
$401,862
-15.4% YoY-10.7% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.3% in tier |
| Deposits |
$875,980
+1.7% YoY+1.6% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.3% in tier |
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| ROA |
0.2%
-28.0% YoY-87.2% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
1.1%
-70.2% YoY-60.8% QoQ
|
-2.9% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio |
82.6%
+138.6% YoY+107.2% QoQ
|
-0.0% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
45.9%
-16.9% YoY-12.1% QoQ
|
-14.7% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$6,833
-3.4% YoY-3.7% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)