BlastPoint's Credit Union Scorecard
ROUTE 31
Charter #5982 · MI
ROUTE 31 has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 1.1% in tier
- + Total Loans: Top 1.2% in tier
- + Total Members: Top 1.5% in tier
- + Total Deposits: Top 2.0% in tier
- + Fee Income Per Member: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Efficiency ratio 3.97% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Indirect Auto Concentration (%): Bottom 1.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,594
-3.7% YoY-2.5% QoQ
|
+7.0K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 1.5% in tier |
| Assets |
$96.7M
+1.5% YoY-1.7% QoQ
|
+$66.9M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 1.1% in tier |
| Loans |
$64.0M
-9.6% YoY-1.3% QoQ
|
+$48.2M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 1.2% in tier |
| Deposits |
$82.4M
+1.6% YoY-1.5% QoQ
|
+$56.9M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.0% in tier |
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| ROA |
0.6%
-20.3% YoY+0.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
3.6%
+4.8% YoY+2.3% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
85.4%
+4.7% YoY-1.4% QoQ
|
+4.0% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.5%
+159.2% YoY+0.9% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
77.7%
-11.1% YoY+0.1% QoQ
|
+16.4% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$15,259
+0.0% YoY+1.1% QoQ
|
+$632 |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
28.9%
+3.4% YoY+1.7% QoQ
|
+4.5% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
51.1%
-15.3% YoY-5.1% QoQ
|
+37.2% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)