BlastPoint's Credit Union Scorecard
FRANKFORT COMMUNITY
Charter #13355 · MI
FRANKFORT COMMUNITY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.56% above tier average
- + Net Interest Margin 2.14% above tier average
- + Strong member growth: 12.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.81% above tier average
- - AMR Growth Rate: Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,131
+12.1% YoY+12.1% QoQ
|
-484 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$17.4M
+0.2% YoY-1.3% QoQ
|
$-12.7M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$11.0M
-4.8% YoY-2.4% QoQ
|
$-4.8M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$14.7M
-2.3% YoY-2.0% QoQ
|
$-11.0M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
2.2%
+185.7% YoY-54.3% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 5.2% in tier |
| NIM |
6.1%
+6.9% YoY+2.9% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
60.3%
-11.7% YoY-3.2% QoQ
|
-22.3% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
4.4%
-76.1% YoY-21.5% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 7.5% in tier |
| Loan To Share |
74.3%
-2.6% YoY-0.4% QoQ
|
+13.7% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$12,053
-13.8% YoY-12.7% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
3.1%
+1210.9% YoY+66.7% QoQ
|
-21.3% | 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)