BlastPoint's Credit Union Scorecard
MICHIGAN STATE UNIVERSITY
Charter #23279 · MI
MSUFCU at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
MSUFCU is one of 101 credit unions in the 2026 VentureTech card set. We also found MSUFCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
Tap a card to see it up close
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MSUFCU
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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MSUFCU'S BIGGEST OPPORTUNITY
NCUA call report, June 30, 2026.
MSUFCU is headed to VentureTech in Fort Worth! Check out our trading card.
MICHIGAN STATE UNIVERSITY has 4 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
- + 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
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
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
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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)