BlastPoint's Credit Union Scorecard
CONSUMERS PROFESSIONAL
Charter #60947 · MI
CONSUMERS PROFESSIONAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.32% above tier average
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Member decline: -3.4% YoY
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - First Mortgage Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,116
-3.4% YoY-1.0% QoQ
|
-8.0K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 12.1% in tier |
| Assets |
$148.0M
+5.4% YoY+2.4% QoQ
|
$-83.7M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$60.5M
-2.2% YoY-0.1% QoQ
|
$-83.6M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.3% in tier |
| Deposits |
$124.1M
+5.3% YoY+2.9% QoQ
|
$-77.0M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
1.0%
+9.8% YoY-3.1% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.2%
-4.1% YoY-2.6% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
70.9%
-2.1% YoY+3.6% QoQ
|
-7.1% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
0.5%
+10.5% YoY+79.5% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
48.8%
-7.1% YoY-2.9% QoQ
|
-21.6% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.8% in tier |
| AMR |
$25,942
+6.3% YoY+2.9% QoQ
|
+$1K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
27.4%
+17.8% YoY-4.2% QoQ
|
+3.1% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-38.4% YoY-10.7% QoQ
|
-13.7% | 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 (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)