BlastPoint's Credit Union Scorecard
FRANKFORT COMMUNITY
Charter #13355 · MI
FRANKFORT COMMUNITY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.67% above tier average
- + Net Interest Margin 1.81% above tier average
- + Strong member growth: 12.0% YoY
- + Member Growth Rate: Top 2.9% in tier
- + Net Charge-Off Rate: Top 9.0% in tier
- + Efficiency Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.01% above tier average
- - AMR Growth Rate: Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,147
+12.0% YoY+0.8% QoQ
|
-529 |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$18.0M
+1.9% YoY+3.2% QoQ
|
$-12.2M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$11.1M
-2.1% YoY+1.7% QoQ
|
$-4.1M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$15.2M
-0.2% YoY+3.0% QoQ
|
$-10.6M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
2.8%
+90.4% YoY+29.2% QoQ
|
+2.7% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.4% in tier |
| NIM |
5.8%
-3.8% YoY-4.5% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
57.0%
-6.2% YoY-5.4% QoQ
|
-33.6% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 9.3% in tier |
| Delinquency Rate |
4.5%
-32.4% YoY+3.3% QoQ
|
+3.0 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
73.4%
-2.0% YoY-1.3% QoQ
|
+14.9% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$12,259
-11.6% YoY+1.7% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
3.0%
+244.7% YoY-1.7% QoQ
|
-21.2% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 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)