BlastPoint's Credit Union Scorecard
INTERNATIONAL UAW
Charter #5123 · MI
INTERNATIONAL UAW has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.63% below tier average
- - Efficiency ratio 42.68% above tier (higher cost structure)
- - Delinquency rate 2.84% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
- - Net Charge-Off Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,964
+0.1% YoY-0.5% QoQ
|
-651 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$21.9M
-4.1% YoY+1.2% QoQ
|
$-8.3M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$8.8M
-4.9% YoY-1.5% QoQ
|
$-6.9M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$18.4M
-2.9% YoY+1.9% QoQ
|
$-7.3M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
-2.0%
-329.6% YoY+10.7% QoQ
|
-2.6% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.1% in tier |
| NIM |
4.3%
+4.8% YoY-3.4% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
125.2%
+76.1% YoY+3.2% QoQ
|
+42.7% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
4.4%
+46.5% YoY+281.2% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 7.4% in tier |
| Loan To Share |
48.1%
-2.1% YoY-3.3% QoQ
|
-12.6% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$13,857
-3.7% YoY+1.3% QoQ
|
$-926 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
13.2%
-8.6% YoY-5.8% QoQ
|
-11.2% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 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)