BlastPoint's Credit Union Scorecard
MICHIGAN STATE UNIVERSITY
Charter #23279 · MI
MICHIGAN STATE UNIVERSITY has 4 strengths but faces 8 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 23.4% in tier
- + Organic Growth Engine: Top 23.4% in tier
- + Net Interest Margin 0.63% above tier average
- + Strong member growth: 5.6% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.5% in tier
- - Liquidity Strain: Bottom 34.8% in tier
- - Credit Risk Growth: Bottom 64.1% in tier
- - Shrinking Wallet Share: Bottom 90.6% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 7.92% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Net Worth Ratio: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
399,480
+5.6% YoY+0.7% QoQ
|
-37.4K |
436,889
-2.3% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$8.5B
+3.2% YoY+1.6% QoQ
|
$-396.7M |
$8.9B
-0.1% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$6.5B
+3.3% YoY-0.4% QoQ
|
+$320.2M |
$6.1B
-1.1% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$7.0B
+3.8% YoY+2.0% QoQ
|
$-605.7M |
$7.7B
+1.8% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
0.3%
-473.2% YoY-10.4% QoQ
|
-0.7% |
0.9%
+16.3% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.9% in tier |
| NIM |
3.7%
+11.6% YoY+5.6% QoQ
|
+0.6% |
3.1%
+6.3% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
74.0%
-13.6% YoY-2.7% QoQ
|
+7.9% |
66.1%
-2.8% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
1.1%
+21.3% YoY-2.8% QoQ
|
+0.5 |
0.6%
+12.0% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
91.7%
-0.4% YoY-2.4% QoQ
|
+11.3% |
80.4%
-3.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$33,834
-1.9% YoY+0.1% QoQ
|
$-3K |
$37,056
+6.8% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
28.6%
+1.3% YoY-1.2% QoQ
|
-0.1% | 28.6% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
9.7%
-3.9% YoY-0.3% QoQ
|
-6.6% | 16.4% | 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 (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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)