MICHIGAN COLUMBUS
Charter #5554 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in 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
|
Top 21.3% in tier |
| 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
|
Top 19.8% in tier |
| 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 |
| 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
|
62nd in tier |
| 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
|
40th in tier |
| 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
|
31st in tier |
| 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
|
Top 22.4% in tier |
| 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
|
28th in tier |
| 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
|
50th in tier |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
146
AMR Growth Rate
growth
Value:
13.30%
Peer Avg: 4.67%
#146 of 2596
Top 5.6% in <100M tier
276
Total Assets
balance_sheet
Value:
$73.01M
Peer Avg: $29.86M
#276 of 2596
Top 10.6% in <100M tier
300
Total Deposits
balance_sheet
Value:
$61.14M
Peer Avg: $25.45M
#300 of 2596
Top 11.5% in <100M tier
344
Average Member Relationship (AMR)
engagement
Value:
$22,358
Peer Avg: $14,627
#344 of 2596
Top 13.2% in <100M tier
513
Total Loans
balance_sheet
Value:
$28.30M
Peer Avg: $15.77M
#513 of 2596
Top 19.7% in <100M tier
552
Total Members
engagement
Value:
4,000
Peer Avg: 2,626
#552 of 2596
Top 21.2% in <100M tier
Top Weaknesses (5 metrics)
2533
Member Growth Rate
growth
Value:
-16.35%
Peer Avg: 14.92%
#2533 of 2596
Bottom 2.5% in <100M tier
2472
First Mortgage Concentration (%)
balance_sheet
Value:
57.00%
Peer Avg: 14.49%
#2472 of 2596
Bottom 4.8% in <100M tier
2208
Deposit Growth Rate
growth
Value:
-5.85%
Peer Avg: 16.80%
#2208 of 2596
Bottom 15.0% in <100M tier
2204
Asset Growth Rate
growth
Value:
-4.66%
Peer Avg: 1.82%
#2204 of 2596
Bottom 15.1% in <100M tier
2015
Total Delinquency Rate (60+ days)
risk
Value:
1.83%
Peer Avg: 1.51%
#2015 of 2596
Bottom 22.4% in <100M tier