BlastPoint's Credit Union Scorecard
KALSEE
Charter #61219 · MI
KALSEE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Fee Income Per Member: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 5.27% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,952
-0.1% YoY+0.1% QoQ
|
+6.8K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$293.3M
+0.8% YoY+0.9% QoQ
|
+$61.6M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$223.3M
+7.4% YoY+0.0% QoQ
|
+$79.1M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$264.2M
+1.8% YoY+2.2% QoQ
|
+$63.1M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
0.7%
+227.8% YoY+48.6% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
4.0%
+3.0% YoY-1.0% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
83.3%
-5.4% YoY-1.1% QoQ
|
+5.3% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
0.3%
-57.2% YoY-41.4% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
84.5%
+5.6% YoY-2.1% QoQ
|
+14.1% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$22,208
+4.4% YoY+1.1% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
11.6%
+5.5% YoY-14.8% QoQ
|
-12.7% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
35.0%
-4.5% YoY-0.3% QoQ
|
+21.2% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)