BlastPoint's Credit Union Scorecard
DOWAGIAC AREA
Charter #21070 · MI
DOWAGIAC AREA has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 8.9% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.26% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,833
-0.4% YoY-0.5% QoQ
|
-792 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$25.4M
+9.7% YoY-0.8% QoQ
|
$-4.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$12.0M
+9.5% YoY-0.6% QoQ
|
$-3.7M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$22.7M
+9.2% YoY-1.1% QoQ
|
$-2.8M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
1.4%
-19.7% YoY+10.5% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
4.2%
-6.5% YoY-0.9% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
65.0%
+22.7% YoY+0.5% QoQ
|
-16.4% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
1.8%
+74.5% YoY+25.9% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
53.2%
+0.3% YoY+0.5% QoQ
|
-8.1% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$18,933
+9.8% YoY-0.4% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
13.5%
+156.1% YoY+25.5% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)