BlastPoint's Credit Union Scorecard
MICHIGAN COLUMBUS
Charter #5554 · MI
MICHIGAN COLUMBUS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 10.5% YoY
- + Member Growth Rate: Top 3.7% in tier
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.69% below tier average
- - AMR Growth Rate: Bottom 4.8% in tier
- - First Mortgage Concentration (%): Bottom 5.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits -1.9% year over year ($62.4M in shares and deposits).
- Membership: 4,541 members, +10.5% vs a year ago.
- Delinquency rate 1.01%.
- Return on assets 0.80%.
- Efficiency ratio 77.80% vs a 88.77% peer average.
- Loan-to-share ratio 42.26% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,541
+10.5% YoY+12.8% QoQ
|
+2.0K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$75.0M
-0.6% YoY-0.4% QoQ
|
+$44.7M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 10.1% in tier |
| Loans |
$26.4M
-8.9% YoY-1.6% QoQ
|
+$10.9M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$62.4M
-1.9% YoY-0.6% QoQ
|
+$36.6M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 11.0% in tier |
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| ROA |
0.8%
-52.2% YoY-70.2% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.4%
-7.7% YoY+0.3% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
77.8%
+22.6% YoY+209.2% QoQ
|
-11.0% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
1.0%
+44.3% YoY-46.0% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
42.3%
-7.1% YoY-1.0% QoQ
|
-16.6% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$19,539
-13.2% YoY-12.2% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
20.2%
+85.0% YoY+14.5% QoQ
|
-4.4% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 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)