BlastPoint's Credit Union Scorecard
MICHIGAN STATE UNIVERSITY
Charter #23279 · MI
MICHIGAN STATE UNIVERSITY has 4 strengths but faces 9 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 21.4% in tier
- + Organic Growth Engine: Top 66.0% in tier
- + Net Interest Margin 0.52% above tier average
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.6% in tier
- - Credit Risk Growth: Bottom 43.3% in tier
- - Liquidity Strain: Bottom 81.2% in tier
- - Shrinking Wallet Share: Bottom 83.3% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 11.20% above tier (higher cost structure)
- - Delinquency rate 0.44% above tier average
- - Net Worth Ratio: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
396,646
+4.5% YoY+1.8% QoQ
|
-49.3K |
445,922
+0.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$8.4B
+4.0% YoY+1.7% QoQ
|
$-555.0M |
$8.9B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$6.5B
+2.7% YoY+1.3% QoQ
|
+$237.0M |
$6.3B
+0.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$6.9B
+4.7% YoY+2.1% QoQ
|
$-608.8M |
$7.5B
+1.2% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.3%
-217.4% YoY+9.0% QoQ
|
-0.7% |
1.0%
+27.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.0% in tier |
| NIM |
3.5%
+18.5% YoY+1.2% QoQ
|
+0.5% |
3.0%
+12.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
76.0%
-12.9% YoY-0.6% QoQ
|
+11.2% |
64.8%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.2%
+33.2% YoY+9.2% QoQ
|
+0.4 |
0.7%
+5.5% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 12.1% in tier |
| Loan To Share |
94.0%
-1.9% YoY-0.8% QoQ
|
+10.6% |
83.4%
-0.6% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$33,796
-0.8% YoY-0.1% QoQ
|
$-471 |
$34,266
-1.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
28.9%
-1.5% YoY-3.3% QoQ
|
-0.2% | 29.1% | 18.6% | 19.8% | 48% |
| Indirect Auto % |
9.8%
-4.4% YoY-4.7% QoQ
|
-7.3% | 17.1% | 11.8% | 7.8% | 31% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)