BlastPoint's Credit Union Scorecard
FRANKFORT COMMUNITY
Charter #13355 · MI
FRANKFORT COMMUNITY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Net Interest Margin 1.65% above tier average
- + Strong member growth: 11.0% YoY
- + Member Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.28% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +8.7% year over year ($16.7M in shares and deposits).
- Membership: 2,092 members, +11.0% vs a year ago.
- Delinquency rate 3.83%.
- Return on assets 2.66%.
- Efficiency ratio 57.92% vs a 88.77% peer average.
- Loan-to-share ratio 70.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,092
+11.0% YoY-2.6% QoQ
|
-493 |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$19.6M
+10.1% YoY+9.4% QoQ
|
$-10.6M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$11.7M
+2.3% YoY+4.8% QoQ
|
$-3.8M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$16.7M
+8.7% YoY+9.8% QoQ
|
$-9.1M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
2.7%
+99.6% YoY-5.6% QoQ
|
+1.2% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 5.0% in tier |
| NIM |
5.5%
-7.2% YoY-4.6% QoQ
|
+1.7% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
57.9%
-10.7% YoY+1.6% QoQ
|
-30.8% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 10.0% in tier |
| Delinquency Rate |
3.8%
-12.8% YoY-15.1% QoQ
|
+2.3 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.6% in tier |
| Loan To Share |
70.0%
-5.9% YoY-4.6% QoQ
|
+11.1% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$13,549
-4.6% YoY+10.5% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
3.8%
+152.7% YoY+25.3% QoQ
|
-20.7% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)