BlastPoint's Credit Union Scorecard
MICHIGAN EDUCATIONAL
Charter #60931 · MI
MICHIGAN EDUCATIONAL has 3 strengths but faces 10 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 3.3% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
- + Total Delinquency Rate (60+ days): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23.6% in tier
- - Membership Headwinds: Bottom 64.3% in tier
- - Stagnation Risk: Bottom 73.8% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 9.28% above tier (higher cost structure)
- - Total Loans: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Members: Bottom 3.6% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,814
-1.7% YoY-0.0% QoQ
|
-49.6K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 3.3% in tier |
| Assets |
$1.1B
+6.1% YoY+1.6% QoQ
|
$-632.0M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.3% in tier |
| Loans |
$481.6M
-0.3% YoY-1.5% QoQ
|
$-752.8M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.7% in tier |
| Deposits |
$964.9M
+4.5% YoY+1.3% QoQ
|
$-494.4M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.9% in tier |
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| ROA |
0.4%
+20.7% YoY+13.8% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
2.5%
+1.6% YoY+0.7% QoQ
|
-0.8% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.9% in tier |
| Efficiency Ratio |
83.3%
-2.3% YoY-1.7% QoQ
|
+9.3% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 12.3% in tier |
| Delinquency Rate |
0.3%
-1.6% YoY+1.6% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.6% in tier |
| Loan To Share |
49.9%
-4.6% YoY-2.8% QoQ
|
-34.9% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$30,253
+4.6% YoY+0.4% QoQ
|
+$825 |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
23.9%
+19.6% YoY+0.9% QoQ
|
-5.1% | 29.0% | 18.6% | 19.8% | 28% |
| Indirect Auto % |
12.7%
-23.5% YoY-5.4% QoQ
|
-5.6% | 18.3% | 11.8% | 7.8% | 43% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
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)