BlastPoint's Credit Union Scorecard
ST. MICHAELS
Charter #11340 · CO
<100M
2508 CUs in <100M nationally
25 in CO
ST. MICHAELS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Total Members: Bottom 4.1% in tier
- - Total Assets: Bottom 5.1% in tier
- - Total Deposits: Bottom 6.0% in tier
- - Total Loans: Bottom 6.1% in tier
- - Loan Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
183
-2.7% YoY-2.1% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Bottom 4.0% in tier |
| Assets |
$979,728
-1.1% YoY-1.4% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.1% in tier |
| Loans |
$372,054
-16.4% YoY-7.4% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.1% in tier |
| Deposits |
$857,776
-1.3% YoY-2.1% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.0% in tier |
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| ROA |
0.9%
-61.4% YoY+300.1% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
1.5%
-47.8% YoY+37.6% QoQ
|
-2.5% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
43.2%
+107.8% YoY-47.6% QoQ
|
-47.4% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Top 2.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
43.4%
-15.3% YoY-5.5% QoQ
|
-15.1% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$6,720
-3.9% YoY-1.7% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
66
Efficiency Ratio
profitability
Value:
43.23%
Peer Median: 81.45%
#66 of 2508
Top 2.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2459
Net Interest Margin (NIM)
profitability
Value:
1.47%
Peer Median: 3.83%
#2459 of 2508
Bottom 2.0% in <100M tier
2407
Total Members
engagement
Value:
183
Peer Median: 1,918
#2407 of 2508
Bottom 4.1% in <100M tier
2380
Total Assets
balance_sheet
Value:
$979,728
Peer Median: $21.86M
#2380 of 2508
Bottom 5.1% in <100M tier
2358
Total Deposits
balance_sheet
Value:
$857,776
Peer Median: $18.77M
#2358 of 2508
Bottom 6.0% in <100M tier
2355
Total Loans
balance_sheet
Value:
$372,054
Peer Median: $9.48M
#2355 of 2508
Bottom 6.1% in <100M tier
2265
Loan Growth Rate
growth
Value:
-16.39%
Peer Median: -2.36%
#2265 of 2508
Bottom 9.7% in <100M tier
2174
Members Per Employee (MPE)
engagement
Value:
183.000
Peer Median: 333.750
#2174 of 2508
Bottom 13.4% in <100M tier
2160
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,033
Peer Median: $4,923
#2160 of 2508
Bottom 13.9% in <100M tier
2159
Average Member Relationship (AMR)
engagement
Value:
$6,720
Peer Median: $13,926
#2159 of 2508
Bottom 14.0% in <100M tier
2030
Fee Income Per Member
profitability
Value:
$9.51
Peer Median: $60.42
#2030 of 2508
Bottom 19.1% in <100M tier