BlastPoint's Credit Union Scorecard
MICHIGAN EDUCATIONAL
Charter #60931 · MI
MICHIGAN EDUCATIONAL has 4 strengths but faces 11 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
- + Credit Quality Leader: Top 52.1% in tier
- + Wallet Share Momentum: Top 94.8% in tier
- + Members Per Employee (MPE): Top 2.3% in tier
- + Net Charge-Off Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.8% in tier
- - Membership Headwinds: Bottom 21.8% in tier
- - Stagnation Risk: Bottom 23.4% in tier
- - Credit Quality Pressure: Bottom 27.3% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 10.80% above tier (higher cost structure)
- - Total Loans: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Members: Bottom 3.9% in tier
- - Total Assets: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,820
-1.9% YoY+0.5% QoQ
|
-50.9K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 3.6% in tier |
| Assets |
$1.1B
+6.3% YoY-0.2% QoQ
|
$-645.3M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.9% in tier |
| Loans |
$488.9M
-0.4% YoY+1.6% QoQ
|
$-744.2M |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.3% in tier |
| Deposits |
$952.2M
+5.4% YoY-0.8% QoQ
|
$-502.2M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.8% in tier |
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| ROA |
0.4%
+20.3% YoY+12.3% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.5%
+2.2% YoY+0.6% QoQ
|
-0.8% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio |
84.8%
-2.6% YoY-1.4% QoQ
|
+10.8% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
0.3%
+1.9% YoY+18.2% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.5% in tier |
| Loan To Share |
51.3%
-5.4% YoY+2.4% QoQ
|
-33.9% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$30,135
+5.3% YoY-0.5% QoQ
|
+$962 |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
23.7%
+26.6% YoY+6.1% QoQ
|
-5.3% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
26% |
| Indirect Auto % |
13.4%
-25.3% YoY-6.6% QoQ
|
-5.4% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
43% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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 declining year-over-year. Shrinking 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)