BlastPoint's Credit Union Scorecard
PUBLIC SERVICE
Charter #60683 · MI
PUBLIC SERVICE has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.31% above tier average
- + Fee Income Per Member: Top 2.3% in tier
- + Total Assets: Top 3.6% in tier
- + Total Members: Top 4.9% in tier
- + Total Deposits: Top 5.0% in tier
- + Total Loans: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency ratio 0.37% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,795
-1.1% YoY-0.7% QoQ
|
+16.6K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 5.0% in tier |
| Assets |
$459.4M
+9.1% YoY+1.6% QoQ
|
+$227.7M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Top 3.6% in tier |
| Loans |
$294.4M
+8.3% YoY-0.6% QoQ
|
+$150.3M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 6.2% in tier |
| Deposits |
$386.0M
+7.0% YoY+1.8% QoQ
|
+$184.9M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Top 5.0% in tier |
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| ROA |
1.0%
+876.6% YoY+56.3% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.6%
+9.1% YoY+2.1% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
78.4%
-15.5% YoY-5.1% QoQ
|
+0.4% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
1.0%
-32.9% YoY-24.4% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
76.3%
+1.2% YoY-2.4% QoQ
|
+5.9% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$21,401
+8.8% YoY+1.4% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
28.7%
+10.9% YoY-0.1% QoQ
|
+4.4% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
22.7%
-5.3% YoY-0.9% QoQ
|
+8.9% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)