BlastPoint's Credit Union Scorecard
DOWNRIVER COMMUNITY
Charter #4853 · MI
DOWNRIVER COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Share Certificate Concentration (%): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 4.80% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Loan-to-Share Ratio: Bottom 5.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits +1.3% year over year ($181M in shares and deposits).
- Membership: 12,089 members, -3.5% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.49%.
- Efficiency ratio 81.54% vs a 76.73% peer average.
- Loan-to-share ratio 43.20% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,089
-3.5% YoY-1.7% QoQ
|
-3.1K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$193.2M
+2.4% YoY-0.1% QoQ
|
$-38.8M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$78.1M
+10.8% YoY+9.3% QoQ
|
$-68.1M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$180.8M
+1.3% YoY-0.2% QoQ
|
$-19.9M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.5%
-0.2% YoY+5.9% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
3.7%
+5.8% YoY+3.3% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
81.5%
-1.0% YoY-1.7% QoQ
|
+4.8% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.5%
-53.3% YoY-16.2% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
43.2%
+9.4% YoY+9.6% QoQ
|
-28.3% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.8% in tier |
| AMR |
$21,419
+7.7% YoY+4.3% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
8.5%
-0.6% YoY+10.3% QoQ
|
-16.1% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
28.9%
-17.8% YoY-5.0% QoQ
|
+15.2% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)