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 2.54% above tier average
- + Efficiency Ratio: Top 0.6% in tier
- + Total Assets: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.36% above tier average
- - Member decline: -8.5% YoY
- - First Mortgage Concentration (%): Bottom 4.8% in tier
- - Member Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,025
-8.5% YoY-12.4% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$75.3M
-0.9% YoY+2.0% QoQ
|
+$45.1M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Top 9.6% in tier |
| Loans |
$26.8M
-7.9% YoY-2.8% QoQ
|
+$11.5M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$62.8M
-1.8% YoY+1.5% QoQ
|
+$37.0M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Top 10.8% in tier |
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| ROA |
2.7%
+114.7% YoY+158.9% QoQ
|
+2.5% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.8% in tier |
| NIM |
3.4%
-15.7% YoY-4.5% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
25.2%
-66.0% YoY-62.8% QoQ
|
-65.5% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
1.9%
+158.7% YoY+89.9% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
42.7%
-6.2% YoY-4.2% QoQ
|
-15.8% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$22,252
+5.2% YoY+14.4% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 14.6% in tier |
| CD Concentration |
17.6%
+75.6% YoY+36.2% QoQ
|
-6.7% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)