BlastPoint's Credit Union Scorecard
GREAT LAKES FIRST
Charter #6102 · MI
GREAT LAKES FIRST faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 5.76% above tier (higher cost structure)
- - Total Loans: Bottom 2.9% in tier
- - Total Assets: Bottom 4.5% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,434
-0.4% YoY-0.1% QoQ
|
-7.7K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$105.7M
+5.8% YoY+3.3% QoQ
|
$-126.0M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.4% in tier |
| Loans |
$41.0M
+4.6% YoY-0.3% QoQ
|
$-103.2M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.8% in tier |
| Deposits |
$96.2M
+3.9% YoY+3.3% QoQ
|
$-104.9M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.9% in tier |
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| ROA |
0.7%
+30.7% YoY-19.0% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.5%
+5.5% YoY-0.0% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
83.8%
-4.0% YoY+3.7% QoQ
|
+5.8% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
0.7%
-22.7% YoY+15.2% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
42.6%
+0.6% YoY-3.5% QoQ
|
-27.8% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.9% in tier |
| AMR |
$18,460
+4.5% YoY+2.3% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
16.0%
-9.1% YoY-6.0% QoQ
|
-8.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
3.5%
+51.1% YoY-13.2% QoQ
|
-10.3% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)