BlastPoint's Credit Union Scorecard
CIRCLE
Charter #22114 · MI
CIRCLE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency ratio 3.95% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.8% in tier
- - Total Members: Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,081
+3.3% YoY+1.7% QoQ
|
-9.4K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$115.8M
+6.2% YoY-1.3% QoQ
|
$-116.0M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.3% in tier |
| Loans |
$80.5M
+0.8% YoY+1.0% QoQ
|
$-66.9M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$104.5M
+5.9% YoY-1.2% QoQ
|
$-96.3M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.8% in tier |
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| ROA |
0.8%
-15.1% YoY+6.9% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.2%
+2.0% YoY+2.3% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
81.0%
+3.7% YoY-1.1% QoQ
|
+3.9% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.9%
-5.2% YoY+70.0% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
77.0%
-4.9% YoY+2.2% QoQ
|
+4.8% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$30,423
+0.3% YoY-1.9% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
27.9%
+9.0% YoY+1.8% QoQ
|
+3.5% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)