BlastPoint's Credit Union Scorecard
DOWNRIVER COMMUNITY
Charter #4853 · MI
DOWNRIVER COMMUNITY has 1 strength but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 14.5% in tier
- - Indirect Auto Dependency: Bottom 15.7% in tier
- - Stagnation Risk: Bottom 18.7% in tier
- - Credit Quality Pressure: Bottom 20.1% in tier
- - Efficiency Drag: Bottom 20.1% in tier
- - Credit Risk Growth: Bottom 23.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 3.37% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Member decline: -2.9% YoY
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,459
-2.9% YoY-0.5% QoQ
|
-3.2K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$187.0M
+1.8% YoY-1.0% QoQ
|
$-44.3M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$71.0M
+3.9% YoY+0.7% QoQ
|
$-76.8M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$175.7M
+0.8% YoY-1.6% QoQ
|
$-24.6M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.6%
-7.8% YoY+16.3% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.5%
+2.0% YoY+2.6% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
80.7%
-0.2% YoY-2.1% QoQ
|
+3.4% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.0%
+10.4% YoY-10.5% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
40.4%
+3.1% YoY+2.3% QoQ
|
-32.3% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.5% in tier |
| AMR |
$19,796
+4.7% YoY-0.4% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
8.5%
+4.0% YoY-0.2% QoQ
|
-15.9% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
30.4%
+43.6% YoY-13.4% QoQ
|
+16.4% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)