BlastPoint's Credit Union Scorecard
MANISTIQUE
Charter #18067 · MI
MANISTIQUE has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.05% above tier average
- + Efficiency Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,057
-1.9% YoY-0.4% QoQ
|
+380 |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$43.4M
+4.1% YoY+1.7% QoQ
|
+$13.2M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$18.0M
-5.5% YoY-3.5% QoQ
|
+$2.7M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$36.4M
+2.5% YoY+1.6% QoQ
|
+$10.7M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
1.2%
-24.6% YoY-41.5% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
4.1%
+1.5% YoY-0.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
56.0%
+15.7% YoY+13.0% QoQ
|
-34.7% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 8.3% in tier |
| Delinquency Rate |
2.3%
+376.5% YoY+307.0% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
49.4%
-7.9% YoY-5.0% QoQ
|
-9.1% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$17,810
+1.7% YoY+0.2% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
9.0%
-2.1% YoY-12.6% QoQ
|
-15.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)