COMMUNITY FOCUS
Charter #14098 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
COMMUNITY FOCUS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Efficiency ratio 19.12% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,657
-1.0% YoY+1.3% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 16.3% in tier |
| Assets |
$65.2M
-0.8% YoY+0.4% QoQ
|
+$35.4M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 14.3% in tier |
| Loans |
$30.8M
-3.1% YoY+6.7% QoQ
|
+$15.0M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 17.5% in tier |
| Deposits |
$54.7M
-2.6% YoY-1.4% QoQ
|
+$29.2M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 15.2% in tier |
| ROA |
0.1%
-133.6% YoY-81.3% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 17.9% in tier |
| NIM |
3.3%
+13.0% YoY+1.3% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
27th in tier |
| Efficiency Ratio |
100.5%
-9.6% YoY+1.8% QoQ
|
+19.1% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 10.6% in tier |
| Delinquency Rate |
0.5%
-43.6% YoY+23.1% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
44th in tier |
| Loan To Share |
56.3%
-0.4% YoY+8.3% QoQ
|
-4.9% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
42nd in tier |
| AMR |
$18,348
-1.9% YoY+0.1% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
73rd in tier |
| CD Concentration |
13.7%
-22.4% YoY-2.2% QoQ
|
-10.8% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
34.5%
-15.8% YoY-10.1% QoQ
|
+20.6% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (5 metrics)
131
Fee Income Per Member
profitability
Value:
$219.39
Peer Avg: $182.96
#131 of 2596
Top 5.0% in <100M tier
372
Total Assets
balance_sheet
Value:
$65.21M
Peer Avg: $29.86M
#372 of 2596
Top 14.3% in <100M tier
395
Total Deposits
balance_sheet
Value:
$54.66M
Peer Avg: $25.45M
#395 of 2596
Top 15.2% in <100M tier
424
Total Members
engagement
Value:
4,657
Peer Avg: 2,626
#424 of 2596
Top 16.3% in <100M tier
454
Total Loans
balance_sheet
Value:
$30.79M
Peer Avg: $15.77M
#454 of 2596
Top 17.4% in <100M tier
Top Weaknesses (6 metrics)
2507
Indirect Auto Concentration (%)
balance_sheet
Value:
34.55%
Peer Avg: 2.84%
#2507 of 2596
Bottom 3.5% in <100M tier
2322
Efficiency Ratio
profitability
Value:
100.52%
Peer Avg: 81.39%
#2322 of 2596
Bottom 10.6% in <100M tier
2140
Members Per Employee (MPE)
engagement
Value:
211.682
Peer Avg: 365.701
#2140 of 2596
Bottom 17.6% in <100M tier
2132
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Avg: 0.68%
#2132 of 2596
Bottom 17.9% in <100M tier
2094
First Mortgage Concentration (%)
balance_sheet
Value:
31.06%
Peer Avg: 14.49%
#2094 of 2596
Bottom 19.4% in <100M tier
2059
Net Charge-Off Rate
risk
Value:
0.73%
Peer Avg: 0.57%
#2059 of 2596
Bottom 20.7% in <100M tier