BlastPoint's Credit Union Scorecard
IRON MOUNTAIN KINGSFORD COMMUNITY
Charter #5660 · MI
IRON MOUNTAIN KINGSFORD COMMUNITY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.84% above tier average
- + Net Interest Margin 0.11% above tier average
- + Share Certificate Concentration (%): Top 5.8% in tier
- + Net Worth Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,079
-1.9% YoY-0.5% QoQ
|
-5.1K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$150.4M
+4.5% YoY+3.9% QoQ
|
$-81.3M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$35.0M
-2.3% YoY-3.2% QoQ
|
$-109.1M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.7% in tier |
| Deposits |
$123.5M
+3.0% YoY+4.2% QoQ
|
$-77.7M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
1.6%
-19.4% YoY-19.9% QoQ
|
+0.8% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 9.3% in tier |
| NIM |
3.7%
-11.7% YoY-10.9% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
61.9%
+5.2% YoY+6.2% QoQ
|
-16.1% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
0.2%
+15.6% YoY-26.3% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 14.7% in tier |
| Loan To Share |
28.4%
-5.2% YoY-7.1% QoQ
|
-42.1% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.5% in tier |
| AMR |
$15,723
+3.8% YoY+2.9% QoQ
|
$-9K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.9% in tier |
| CD Concentration |
6.5%
+3.4% YoY-3.1% QoQ
|
-17.7% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
1.2%
+3.8% YoY-13.0% QoQ
|
-12.6% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)