BlastPoint's Credit Union Scorecard
GREAT LAKES
Charter #24874 · MI
GREAT LAKES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 5.63% above tier (higher cost structure)
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,521
-2.7% YoY-0.5% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$59.7M
+0.7% YoY-0.6% QoQ
|
+$29.8M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$25.9M
-8.9% YoY-0.3% QoQ
|
+$10.1M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$50.2M
-0.9% YoY-1.2% QoQ
|
+$24.7M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.5%
-896.0% YoY+29.6% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
2.9%
+5.6% YoY+0.0% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
87.0%
+2.3% YoY-2.9% QoQ
|
+5.6% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.2%
-76.4% YoY+30.2% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
51.6%
-8.1% YoY+1.0% QoQ
|
-9.6% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$16,819
-1.1% YoY-0.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
7.1%
+17.9% YoY+13.1% QoQ
|
-17.3% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)