BlastPoint's Credit Union Scorecard
GREAT LAKES FIRST
Charter #6102 · MI
GREAT LAKES FIRST has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Total Deposits: Top 0.0% in tier
- + Total Assets: Top 0.1% in tier
- + Total Members: Top 4.6% in tier
- + Total Loans: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.29% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,455
-0.9% YoY+0.1% QoQ
|
+4.8K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 4.7% in tier |
| Assets |
$99.8M
+4.7% YoY+1.2% QoQ
|
+$70.0M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 0.1% in tier |
| Loans |
$40.8M
+0.4% YoY+1.5% QoQ
|
+$25.0M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 9.9% in tier |
| Deposits |
$91.2M
+3.1% YoY+0.4% QoQ
|
+$65.8M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 0.0% in tier |
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| ROA |
0.7%
+308.9% YoY+12.0% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.4%
+2.8% YoY+2.7% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
82.7%
-8.1% YoY-1.7% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.7%
-57.9% YoY+27.9% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
44.7%
-2.6% YoY+1.1% QoQ
|
-16.5% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$17,710
+3.2% YoY+0.6% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
16.6%
+0.5% YoY-7.1% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.9%
+80.1% YoY+40.2% QoQ
|
-10.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)