BlastPoint's Credit Union Scorecard

MICHIGAN EDUCATIONAL

Charter #60931 · MI

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 21 in MI
View Mid-Market leaderboard →

MICHIGAN EDUCATIONAL has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 31.6% in tier
  • + Members Per Employee (MPE): Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 12.0% in tier
  • - Credit Quality Pressure: Bottom 57.4% in tier
  • - Credit Risk Growth: Bottom 75.8% in tier
  • - Membership Headwinds: Bottom 83.9% in tier
  • - Stagnation Risk: Bottom 83.9% in tier
  • - ROA 0.31% below tier average
  • - Efficiency ratio 10.25% above tier (higher cost structure)
  • - Total Loans: Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 47,969
-1.8% YoY+0.3% QoQ
 -48.1K 96,048
-2.7% YoY
 36,022
+6.3% YoY
 33,913
+5.7% YoY
 Bottom 4.2% in tier
Assets $1.1B
+5.0% YoY+2.0% QoQ
 $-606.5M $1.7B
+0.4% YoY
 $705.1M
+14.1% YoY
 $578.3M
+9.0% YoY
 Bottom 12.1% in tier
Loans $482.8M
+1.1% YoY+0.2% QoQ
 $-730.9M $1.2B
+0.2% YoY
 $480.6M
+13.6% YoY
 $402.4M
+8.7% YoY
 Bottom 2.0% in tier
Deposits $989.3M
+4.2% YoY+2.5% QoQ
 $-476.3M $1.5B
+0.5% YoY
 $601.5M
+14.1% YoY
 $494.3M
+9.1% YoY
 16%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.4%
+63.2% YoY-5.2% QoQ
 -0.3% 0.7%
+27.6% YoY
 0.9%
+85.7% YoY
 0.4%
-39.2% YoY
 24%
NIM 2.6%
+5.4% YoY+3.8% QoQ
 -0.7% 3.4%
+6.2% YoY
 3.7%
+3.8% YoY
 3.8%
+4.1% YoY
 Bottom 10.5% in tier
Efficiency Ratio 84.9%
-4.6% YoY+1.9% QoQ
 +10.3% 74.6%
-3.0% YoY
 75.8%
-7.1% YoY
 84.6%
+2.8% YoY
 Bottom 13.1% in tier
Delinquency Rate 0.2%
+1.7% YoY-18.6% QoQ
 -0.5 0.8%
+6.9% YoY
 0.7%
-7.8% YoY
 1.2%
+3.4% YoY
 Top 10.5% in tier
Loan To Share 48.8%
-3.0% YoY-2.2% QoQ
 -34.4% 83.2%
-0.4% YoY
 65.1%
-0.0% YoY
 65.6%
-1.4% YoY
 Bottom 2.0% in tier
AMR $30,688
+5.1% YoY+1.4% QoQ
 +$1K $29,652
+2.3% YoY
 $22,971
+5.9% YoY
 $19,920
+1.6% YoY
 63%
CD Concentration 24.4%
+15.6% YoY+2.2% QoQ
 -4.4% 28.8% 18.6% 19.8% 30%
Indirect Auto % 12.1%
-21.9% YoY-4.3% QoQ
 -5.9% 18.1% 11.7% 7.7% 43%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#120 of 125 • Top 31.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.10%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk
#37 of 100 • Bottom 12.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.88%
(Tier: 73.98%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.16% points
(Tier: 0.14% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): -1.81%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
100 of 384 Mid-Market CUs have this signature | 702 nationally
↓ Shrinking -38 CUs YoY | Rank worsening

Membership Headwinds

decline
#62 of 91 • Bottom 83.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.81%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
91 of 384 Mid-Market CUs have this signature | 676 nationally
→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk
#76 of 91 • Bottom 83.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -1.81%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): 1.11%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Rate: 0.24%
(Tier: 0.75%, National: 1.19%)
but better than tier avg
91 of 384 Mid-Market CUs have this signature | 676 nationally
→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk
#218 of 225 • Bottom 57.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk
#183 of 183 • Bottom 75.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.11%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

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)

Comparing against 306 peers in tier

Top Strengths (3 metrics)

15
Members Per Employee (MPE)
engagement
Value: 510.309
Peer Median: 345.077
#15 of 306 Top 4.6% in 1B-3B tier
33
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Median: 0.63%
#33 of 306 Top 10.5% in 1B-3B tier
47
Net Charge-Off Rate
risk
Value: 0.20%
Peer Median: 0.51%
#47 of 306 Top 15.0% in 1B-3B tier

Top Weaknesses (11 metrics)

300
Total Loans
balance_sheet
Value: $482.80M
Peer Median: $1.11B
#300 of 306 Bottom 2.3% in 1B-3B tier
300
Loan-to-Share Ratio
balance_sheet
Value: 48.80%
Peer Median: 85.31%
#300 of 306 Bottom 2.3% in 1B-3B tier
293
Total Members
engagement
Value: 47,969
Peer Median: 85,918
#293 of 306 Bottom 4.6% in 1B-3B tier
288
Fee Income Per Member
profitability
Value: $97.93
Peer Median: $191.54
#288 of 306 Bottom 6.2% in 1B-3B tier
274
Net Interest Margin (NIM)
profitability
Value: 2.61%
Peer Median: 3.37%
#274 of 306 Bottom 10.8% in 1B-3B tier
269
Total Assets
balance_sheet
Value: $1.11B
Peer Median: $1.51B
#269 of 306 Bottom 12.4% in 1B-3B tier
267
Efficiency Ratio
profitability
Value: 84.88%
Peer Median: 75.16%
#267 of 306 Bottom 13.1% in 1B-3B tier
258
Total Deposits
balance_sheet
Value: $989.26M
Peer Median: $1.31B
#258 of 306 Bottom 16.0% in 1B-3B tier
254
Member Growth Rate
growth
Value: -1.81%
Peer Median: 2.03%
#254 of 306 Bottom 17.3% in 1B-3B tier
254
Loan-to-Member Ratio (LMR)
engagement
Value: $10,065
Peer Median: $12,733
#254 of 306 Bottom 17.3% in 1B-3B tier
Link copied to clipboard!