BlastPoint's Credit Union Scorecard
MICHIGAN EDUCATIONAL
Charter #60931 · MI
MICHIGAN EDUCATIONAL has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.0% in tier
- + Total Delinquency Rate (60+ days): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.6% in tier
- - Credit Quality Pressure: Bottom 50.3% in tier
- - Membership Headwinds: Bottom 82.8% in tier
- - Stagnation Risk: Bottom 82.8% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 9.27% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 2.3% in tier
- - Total Loans: Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits +2.9% year over year ($987M in shares and deposits).
- Membership: 46,838 members, -1.6% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 0.49%.
- Efficiency ratio 82.29% vs a 73.02% peer average.
- Loan-to-share ratio 48.86% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,838
-1.6% YoY-2.4% QoQ
|
-50.0K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 4.0% in tier |
| Assets |
$1.1B
+3.3% YoY-0.1% QoQ
|
$-612.6M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.0% in tier |
| Loans |
$482.3M
+0.2% YoY-0.1% QoQ
|
$-752.0M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.3% in tier |
| Deposits |
$987.0M
+2.9% YoY-0.2% QoQ
|
$-476.4M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+45.3% YoY+19.9% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
2.7%
+7.8% YoY+2.5% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
82.3%
-4.3% YoY-3.1% QoQ
|
+9.3% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
0.3%
+14.4% YoY+17.1% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Top 8.7% in tier |
| Loan To Share |
48.9%
-2.6% YoY+0.1% QoQ
|
-35.9% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.0% in tier |
| AMR |
$31,368
+3.6% YoY+2.2% QoQ
|
+$2K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
24.6%
+10.1% YoY+0.6% QoQ
|
-4.5% | 29.1% | 18.8% | 20.0% | 29% |
| Indirect Auto % |
12.8%
-10.5% YoY+5.9% QoQ
|
-5.2% | 18.1% | 11.7% | 7.7% | 44% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)