BlastPoint's Credit Union Scorecard
CIRCLE
Charter #22114 · MI
CIRCLE has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 26.9% in tier
- + Organic Growth Leader: Top 29.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.8% in tier
- - Margin Compression: Bottom 32.2% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 4.58% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.6% in tier
- - Total Members: Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,979
+0.8% YoY+1.2% QoQ
|
-9.6K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.4% in tier |
| Assets |
$117.3M
+6.5% YoY+2.0% QoQ
|
$-114.0M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.2% in tier |
| Loans |
$79.7M
-3.7% YoY+1.7% QoQ
|
$-68.1M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$105.8M
+5.8% YoY+1.7% QoQ
|
$-94.5M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.9% in tier |
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| ROA |
0.8%
-13.9% YoY-23.4% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
3.1%
+2.3% YoY-8.9% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
81.9%
+3.2% YoY+4.7% QoQ
|
+4.6% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.5%
-41.7% YoY-49.4% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
75.3%
-8.9% YoY+0.0% QoQ
|
+2.6% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$31,015
+0.7% YoY+0.5% QoQ
|
+$7K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 14.0% in tier |
| CD Concentration |
27.4%
-0.6% YoY+1.4% QoQ
|
+3.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-31.0% YoY-13.0% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
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.
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)