PORT CITY
Charter #5116 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
PORT CITY has 1 strength but faces 4 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 0.17% below tier average
- - Efficiency ratio 1.29% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Net Interest Margin (NIM): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,678
-4.3% YoY-9.7% QoQ
|
+52 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$39.6M
+0.4% YoY-0.4% QoQ
|
+$9.8M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
69th in tier |
| Loans |
$13.9M
+1.3% YoY+2.4% QoQ
|
$-1.9M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
59th in tier |
| Deposits |
$34.6M
+2.0% YoY-0.9% QoQ
|
+$9.1M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
70th in tier |
| ROA |
0.5%
+54.6% YoY-11.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
37th in tier |
| NIM |
2.6%
+15.4% YoY+2.7% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
82.7%
-3.2% YoY+0.6% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
61st in tier |
| Delinquency Rate |
0.1%
-78.8% YoY-36.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.8% in tier |
| Loan To Share |
40.1%
-0.7% YoY+3.3% QoQ
|
-21.1% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 19.1% in tier |
| AMR |
$18,093
+6.3% YoY+10.8% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
23.5%
+34.8% YoY+8.3% QoQ
|
-0.9% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
489
Total Delinquency Rate (60+ days)
risk
Value:
0.07%
Peer Avg: 1.51%
#489 of 2596
Top 18.8% in <100M tier
522
AMR Growth Rate
growth
Value:
6.28%
Peer Avg: 4.67%
#522 of 2596
Top 20.1% in <100M tier
Top Weaknesses (4 metrics)
2366
Net Interest Margin (NIM)
profitability
Value:
2.60%
Peer Avg: 3.93%
#2366 of 2596
Bottom 8.9% in <100M tier
2324
First Mortgage Concentration (%)
balance_sheet
Value:
44.14%
Peer Avg: 14.49%
#2324 of 2596
Bottom 10.5% in <100M tier
2097
Loan-to-Share Ratio
balance_sheet
Value:
40.09%
Peer Avg: 61.23%
#2097 of 2596
Bottom 19.3% in <100M tier
2044
Member Growth Rate
growth
Value:
-4.25%
Peer Avg: 14.92%
#2044 of 2596
Bottom 21.3% in <100M tier