BlastPoint's Credit Union Scorecard
GRACO
Charter #15304 · MI
GRACO has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.26% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 4.8% in tier
- + Deposit Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
- - Indirect Auto Concentration (%): Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,364
-2.1% YoY-1.1% QoQ
|
+748 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$34.2M
+13.1% YoY+2.6% QoQ
|
+$4.1M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$16.0M
-5.5% YoY-0.1% QoQ
|
+$266K |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$30.5M
+13.3% YoY+2.8% QoQ
|
+$4.8M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
1.0%
-18.6% YoY-7.6% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
4.2%
-10.3% YoY-2.4% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
77.3%
+3.5% YoY+0.0% QoQ
|
-5.3% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.8%
+50.8% YoY+391.4% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
52.6%
-16.6% YoY-2.9% QoQ
|
-8.1% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$13,830
+8.2% YoY+2.9% QoQ
|
$-953 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
8.7%
+35.8% YoY+8.8% QoQ
|
-15.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
38.5%
-9.2% YoY-1.6% QoQ
|
+24.7% | 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)