BlastPoint's Credit Union Scorecard
INTEGRA FIRST
Charter #5748 · MI
INTEGRA FIRST has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.1% in tier
- - Credit Risk Growth: Bottom 23.8% in tier
- - Credit Quality Pressure: Bottom 24.0% in tier
- - Indirect Auto Dependency: Bottom 31.4% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 8.54% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,470
+0.1% YoY-0.3% QoQ
|
-4.2K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$130.8M
-0.0% YoY+0.3% QoQ
|
$-100.5M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$81.7M
+5.2% YoY+2.1% QoQ
|
$-66.1M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$118.8M
-0.4% YoY+0.3% QoQ
|
$-81.5M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
0.3%
+97.2% YoY+24.3% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
3.7%
+22.4% YoY+2.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
85.8%
-5.8% YoY-1.6% QoQ
|
+8.5% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.8%
+7.3% YoY-9.7% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
68.8%
+5.5% YoY+1.8% QoQ
|
-3.9% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$17,479
+1.8% YoY+1.3% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
14.0%
-39.0% YoY-1.5% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.0%
+31.8% YoY+29.3% QoQ
|
+4.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)