BlastPoint's Credit Union Scorecard

MICHIGAN STATE UNIVERSITY

Charter #23279 · MI

Large 7B-10B
30 CUs in 7B-10B nationally 1 in MI
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MICHIGAN STATE UNIVERSITY has 4 strengths but faces 11 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 9.6% in tier
  • + Organic Growth Engine: Top 25.0% in tier
  • + Net Interest Margin 0.44% above tier average
  • + Fee Income Per Member: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.3% in tier
  • - Credit Risk Growth: Bottom 14.4% in tier
  • - Shrinking Wallet Share: Bottom 20.8% in tier
  • - Liquidity Strain: Bottom 27.1% in tier
  • - Flatlined Growth: Bottom 83.3% in tier
  • - ROA 0.75% below tier average
  • - Efficiency ratio 12.71% above tier (higher cost structure)
  • - Delinquency rate 0.38% above tier average
  • - Net Worth Ratio: Bottom 3.3% in tier
  • - Members Per Employee (MPE): Bottom 3.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 389,605
+4.0% YoY+2.0% QoQ
 -69.7K 459,296
+3.8% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 30%
Assets $8.2B
+0.9% YoY-0.1% QoQ
 $-686.2M $8.9B
+1.2% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 17%
Loans $6.4B
+2.1% YoY+0.7% QoQ
 +$69.6M $6.3B
+2.9% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 50%
Deposits $6.8B
+3.2% YoY-0.1% QoQ
 $-685.3M $7.5B
+2.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 13.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.3%
-225.9% YoY+178.2% QoQ
 -0.7% 1.0%
+22.1% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Bottom 3.3% in tier
NIM 3.4%
+19.3% YoY+2.7% QoQ
 +0.4% 3.0%
+11.5% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 70%
Efficiency Ratio 76.4%
-11.7% YoY-5.0% QoQ
 +12.7% 63.7%
-2.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Top 13.3% in tier
Delinquency Rate 1.1%
+35.7% YoY-16.1% QoQ
 +0.4 0.7%
+10.8% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 10.0% in tier
Loan To Share 94.7%
-1.1% YoY+0.8% QoQ
 +9.3% 85.4%
+0.7% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 67%
AMR $33,827
-1.3% YoY-1.7% QoQ
 +$167 $33,660
-2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 67%
CD Concentration 29.9%
+1.4% YoY+3.1% QoQ
 +1.0% 28.9%
-1.3% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 55%
Indirect Auto % 10.2%
-2.5% YoY-0.8% QoQ
 -6.4% 16.6%
-10.3% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 33%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#9 of 28 • Top 9.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.01%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Indirect Auto %: 10.24%
(Tier: 16.60%, National: 7.90%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Organic Growth Engine

growth
#38 of 50 • Top 25.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.01%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.28%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.24%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#5 of 34 • Bottom 3.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.28% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Credit Risk Growth

risk
#15 of 25 • Bottom 14.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.09%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.28% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#11 of 15 • Bottom 20.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.29%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY

Liquidity Strain

risk
#24 of 32 • Bottom 27.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.72%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.09%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Flatlined Growth

risk
#6 of 6 • Bottom 83.3% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature
Asset Growth (YoY): 0.87%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Return on Assets: 0.28%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
6 of 64 Large CUs have this signature | 82 nationally
→ Stable (3→6 CUs) +3 CUs YoY | New qualifier

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)

Comparing against 30 peers in tier

Top Strengths (2 metrics)

3
Fee Income Per Member
profitability
Value: $276.29
Peer Avg: -
#3 of 30 Top 6.7% in 7B-10B tier
8
Indirect Auto Concentration (%)
balance_sheet
Value: 10.24%
Peer Avg: -
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (7 metrics)

30
Net Worth Ratio
risk
Value: 8.51%
Peer Avg: -
#30 of 30 Bottom 3.3% in 7B-10B tier
30
Members Per Employee (MPE)
engagement
Value: 273.984
Peer Avg: -
#30 of 30 Bottom 3.3% in 7B-10B tier
29
Return on Assets (ROA)
profitability
Value: 0.28%
Peer Avg: -
#29 of 30 Bottom 6.7% in 7B-10B tier
28
Total Delinquency Rate (60+ days)
risk
Value: 1.06%
Peer Avg: -
#28 of 30 Bottom 10.0% in 7B-10B tier
27
Efficiency Ratio
profitability
Value: 76.44%
Peer Avg: -
#27 of 30 Bottom 13.3% in 7B-10B tier
26
Total Deposits
balance_sheet
Value: $6.77B
Peer Avg: -
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Total Assets
balance_sheet
Value: $8.24B
Peer Avg: -
#25 of 30 Bottom 20.0% in 7B-10B tier
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