BlastPoint's Credit Union Scorecard
FOREST AREA
Charter #24047 · MI
FOREST AREA has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.6% in tier
- + Organic Growth Leader: Top 14.8% in tier
- + ROA 0.71% above tier average
- + Net Interest Margin 0.77% above tier average
- + Strong member growth: 6.0% YoY
- + Asset Growth Rate: Top 6.3% in tier
- + Member Growth Rate: Top 7.1% in tier
- + Deposit Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.52% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,085
+6.0% YoY+1.0% QoQ
|
+5.6K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$309.6M
+12.7% YoY+1.2% QoQ
|
+$77.7M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$196.8M
+4.4% YoY+1.6% QoQ
|
+$49.4M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$271.0M
+12.0% YoY+0.7% QoQ
|
+$70.2M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
1.5%
-2.9% YoY+15.4% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 11.2% in tier |
| NIM |
4.4%
+3.0% YoY+1.9% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 12.7% in tier |
| Efficiency Ratio |
62.8%
+6.4% YoY-1.4% QoQ
|
-14.2% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate |
1.4%
-24.1% YoY-15.2% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
72.6%
-6.7% YoY+0.9% QoQ
|
+0.4% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$22,184
+2.6% YoY+0.1% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
11.0%
-28.3% YoY-6.4% QoQ
|
-13.4% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
9.6%
-22.1% YoY-4.0% QoQ
|
-4.2% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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.
Concerns (0)
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)