BlastPoint's Credit Union Scorecard
MICHIGAN COLUMBUS
Charter #5554 · MI
MICHIGAN COLUMBUS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.32% above tier average
- - Member decline: -16.4% YoY
- - Member Growth Rate: Bottom 2.5% in tier
- - First Mortgage Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,000
-16.4% YoY-2.7% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$73.0M
-4.7% YoY-3.2% QoQ
|
+$43.2M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 10.6% in tier |
| Loans |
$28.3M
-3.9% YoY-2.1% QoQ
|
+$12.5M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$61.1M
-5.9% YoY-3.9% QoQ
|
+$35.7M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 11.6% in tier |
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| ROA |
1.0%
-5.7% YoY-40.0% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.6%
+20.4% YoY-2.1% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
69.6%
-1.2% YoY+9.7% QoQ
|
-11.8% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.8%
+0.4% YoY+161.9% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
46.3%
+2.1% YoY+1.8% QoQ
|
-14.9% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$22,358
+13.3% YoY-0.7% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 13.3% in tier |
| CD Concentration |
10.7%
+6.8% YoY-2.1% QoQ
|
-13.7% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-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)