BlastPoint's Credit Union Scorecard
ROCK COMMUNITY
Charter #21020 · MI
ROCK COMMUNITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 8.1% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
826
-1.3% YoY-0.4% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$9.0M
+7.3% YoY+2.9% QoQ
|
$-21.1M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$2.7M
-1.6% YoY-7.2% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$8.3M
+7.2% YoY+3.0% QoQ
|
$-17.5M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
0.6%
-2.6% YoY-15.6% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
2.8%
-9.4% YoY-9.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.0% in tier |
| Efficiency Ratio |
78.2%
-1.9% YoY+2.0% QoQ
|
-12.4% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.8%
-14.3% YoY
|
-0.7 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
33.2%
-8.2% YoY-9.9% QoQ
|
-25.3% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.2% in tier |
| AMR |
$13,325
+6.3% YoY+0.6% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration | 0.0% | -24.3% | 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)