BlastPoint's Credit Union Scorecard
FLAGSHIP COMMUNITY
Charter #13391 · MI
FLAGSHIP COMMUNITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -9.4% YoY
- - Member Growth Rate: Bottom 6.1% in tier
- - Indirect Auto Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,150
-9.4% YoY-1.8% QoQ
|
+534 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$34.1M
-0.7% YoY-1.1% QoQ
|
+$4.0M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$17.3M
-3.6% YoY-1.2% QoQ
|
+$1.5M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$30.2M
-1.9% YoY-0.5% QoQ
|
+$4.5M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.9%
-6.8% YoY-4.3% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.3%
+3.6% YoY+0.9% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
81.0%
+4.8% YoY+1.2% QoQ
|
-1.6% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.3%
-61.4% YoY-38.6% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
57.3%
-1.7% YoY-0.7% QoQ
|
-3.3% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$15,062
+7.6% YoY+1.1% QoQ
|
+$279 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
7.2%
-3.3% YoY+0.3% QoQ
|
-17.2% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
8.1%
-9.8% YoY+4.3% QoQ
|
-5.7% | 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)