BlastPoint's Credit Union Scorecard
MICHIGAN STATE UNIVERSITY
Charter #23279 · MI
MICHIGAN STATE UNIVERSITY has 5 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.9% in tier
- + Organic Growth Engine: Top 10.9% in tier
- + Net Interest Margin 0.64% above tier average
- + Strong member growth: 6.3% YoY
- + Member Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24.2% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 8.64% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Net Worth Ratio: Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 7.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Michigan.
- Shares and deposits +7.5% year over year ($7.28B in shares and deposits).
- Membership: 405,979 members, +6.3% vs a year ago.
- Delinquency rate 1.24%.
- Return on assets 0.31%.
- Efficiency ratio 74.71% vs a 66.07% peer average.
- Loan-to-share ratio 95.16% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
405,979
+6.3% YoY+1.6% QoQ
|
-32.9K |
438,885
-1.1% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$8.9B
+7.6% YoY+4.2% QoQ
|
$-50.9M |
$8.9B
+0.0% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$6.9B
+8.8% YoY+7.1% QoQ
|
+$708.7M |
$6.2B
-0.6% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$7.3B
+7.5% YoY+3.2% QoQ
|
$-379.8M |
$7.7B
+2.7% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.3%
+207.0% YoY+13.0% QoQ
|
-0.7% |
1.0%
+4.7% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.1% in tier |
| NIM |
3.7%
+10.8% YoY+1.0% QoQ
|
+0.6% |
3.1%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
74.7%
-7.1% YoY+1.0% QoQ
|
+8.6% |
66.1%
+1.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
1.2%
-1.6% YoY+10.5% QoQ
|
+0.4 |
0.8%
+23.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.7% in tier |
| Loan To Share |
95.2%
+1.2% YoY+3.7% QoQ
|
+13.9% |
81.3%
-3.8% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$34,981
+1.7% YoY+3.4% QoQ
|
$-2K |
$37,279
+8.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
27.8%
-4.1% YoY-2.6% QoQ
|
-0.5% | 28.3% | 18.8% | 20.0% | 46% |
| Indirect Auto % |
9.2%
-11.4% YoY-6.0% QoQ
|
-7.7% | 16.8% | 11.7% | 7.7% | 33% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)