BlastPoint's Credit Union Scorecard
FOREST AREA
Charter #24047 · MI
FOREST AREA has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.2% in tier
- + Organic Growth Leader: Top 4.7% in tier
- + Profitability Leader: Top 70.8% in tier
- + ROA 0.49% above tier average
- + Net Interest Margin 0.70% above tier average
- + Strong member growth: 5.8% YoY
- + Asset Growth Rate: Top 5.8% in tier
- + Deposit Growth Rate: Top 6.6% in tier
- + Member Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 4.1% in tier
- - Credit Quality Pressure: Bottom 12.5% in tier
- - Credit Risk Growth: Bottom 20.0% in tier
- - Delinquency rate 0.80% above tier average
- - Net Charge-Off Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,872
+5.8% YoY+1.3% QoQ
|
+5.2K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$305.9M
+12.2% YoY+2.7% QoQ
|
+$74.6M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$193.6M
+2.8% YoY+1.7% QoQ
|
+$45.9M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$269.1M
+12.4% YoY+2.3% QoQ
|
+$68.8M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
1.3%
-28.7% YoY+13.2% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
4.3%
+1.7% YoY-0.6% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
63.7%
+7.9% YoY+0.8% QoQ
|
-13.6% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
1.7%
+17.3% YoY+2.5% QoQ
|
+0.8 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 11.3% in tier |
| Loan To Share |
72.0%
-8.5% YoY-0.6% QoQ
|
-0.7% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$22,169
+2.2% YoY+0.8% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
11.8%
-15.8% YoY-9.0% QoQ
|
-12.6% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.0%
-22.8% YoY-6.6% QoQ
|
-3.9% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
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)