BlastPoint's Credit Union Scorecard
ISABELLA COMMUNITY
Charter #61318 · MI
ISABELLA COMMUNITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 0.26% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits +3.4% year over year ($199M in shares and deposits).
- Membership: 13,524 members, +0.4% vs a year ago.
- Delinquency rate 1.14%.
- Return on assets 1.26%.
- Efficiency ratio 71.79% vs a 76.73% peer average.
- Loan-to-share ratio 58.29% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,524
+0.4% YoY-0.1% QoQ
|
-1.6K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$222.2M
+4.3% YoY-0.2% QoQ
|
$-9.9M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$115.9M
-1.1% YoY-0.4% QoQ
|
$-30.4M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$198.8M
+3.4% YoY-0.6% QoQ
|
$-1.9M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
1.3%
+6.7% YoY+10.6% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
3.3%
+5.6% YoY+3.0% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
71.8%
-2.4% YoY-1.3% QoQ
|
-4.9% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
1.1%
+30.9% YoY+40.8% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
58.3%
-4.4% YoY+0.2% QoQ
|
-13.3% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$23,268
+1.3% YoY-0.4% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
19.9%
-0.2% YoY+1.9% QoQ
|
-4.6% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
8.2%
-2.1% YoY+0.5% QoQ
|
-5.4% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
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)