BlastPoint's Credit Union Scorecard
TAHQUAMENON AREA
Charter #60423 · MI
TAHQUAMENON AREA has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Efficiency ratio 15.06% above tier (higher cost structure)
- - Member decline: -5.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,636
-5.7% YoY-0.7% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$66.3M
-4.5% YoY+1.4% QoQ
|
+$36.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 13.7% in tier |
| Loans |
$25.6M
-1.1% YoY-1.0% QoQ
|
+$9.8M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$59.7M
-6.0% YoY+1.6% QoQ
|
+$34.3M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 12.0% in tier |
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| ROA |
0.0%
-73.7% YoY-72.4% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
2.8%
-3.4% YoY-1.6% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
96.5%
-2.5% YoY+2.4% QoQ
|
+15.1% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
1.2%
+57.7% YoY-5.8% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
42.8%
+5.2% YoY-2.5% QoQ
|
-18.4% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$18,403
+1.2% YoY+1.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
12.5%
+65.0% YoY+4.0% QoQ
|
-11.9% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.3%
+24.8% QoQ
|
-10.7% |
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)