BlastPoint's Credit Union Scorecard
IRON MOUNTAIN KINGSFORD COMMUNITY
Charter #5660 · MI
IRON MOUNTAIN KINGSFORD COMMUNITY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 11.2% in tier
- + Credit Quality Leader: Top 49.3% in tier
- + ROA 1.20% above tier average
- + Net Interest Margin 0.66% above tier average
- + Share Certificate Concentration (%): Top 6.1% in tier
- + Efficiency Ratio: Top 6.2% in tier
- + Net Worth Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 5.2% in tier
- - Stagnation Risk: Bottom 12.3% in tier
- - Membership Headwinds: Bottom 21.5% in tier
- - Liquidity Overhang: Bottom 22.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- - Total Loans: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.3% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,184
-1.7% YoY-0.2% QoQ
|
-5.4K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$142.8M
+2.8% YoY-0.8% QoQ
|
$-88.5M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$36.7M
+0.6% YoY+1.9% QoQ
|
$-111.1M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.9% in tier |
| Deposits |
$117.0M
+0.8% YoY-1.6% QoQ
|
$-83.3M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
2.0%
-15.1% YoY+1.0% QoQ
|
+1.2% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 3.3% in tier |
| NIM |
4.2%
-7.5% YoY+0.5% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
58.0%
+8.2% YoY+0.0% QoQ
|
-19.3% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate |
0.2%
-10.9% YoY-19.8% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.3% in tier |
| Loan To Share |
31.4%
-0.2% YoY+3.5% QoQ
|
-41.3% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.2% in tier |
| AMR |
$15,094
+2.6% YoY-0.6% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.0% in tier |
| CD Concentration |
6.8%
+5.6% YoY+1.8% QoQ
|
-17.6% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.5%
+59.8% YoY+14.1% QoQ
|
-12.4% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)