BlastPoint's Credit Union Scorecard
ONE DETROIT
Charter #61495 · MI
ONE DETROIT has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 2.60% above tier average
- + Total Members: Top 0.6% in tier
- + Fee Income Per Member: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 11.10% above tier (higher cost structure)
- - Delinquency rate 0.43% above tier average
- - Net Charge-Off Rate: Bottom 3.9% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,602
+2.0% YoY+1.1% QoQ
|
+10.0K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 0.7% in tier |
| Assets |
$61.8M
-4.5% YoY-5.0% QoQ
|
+$31.5M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$37.7M
+5.8% YoY+5.0% QoQ
|
+$22.3M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Top 11.8% in tier |
| Deposits |
$46.0M
-5.1% YoY-6.5% QoQ
|
+$20.2M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
1.6%
-171.9% YoY-208.0% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
6.5%
+8.8% YoY+5.0% QoQ
|
+2.6% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
99.9%
-6.3% YoY+1.8% QoQ
|
+11.1% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
2.0%
-35.6% YoY+2.1% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
82.1%
+11.4% YoY+12.2% QoQ
|
+23.2% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$6,641
-2.4% YoY-2.7% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.6% in tier |
| CD Concentration |
8.6%
+9.4% YoY+8.4% QoQ
|
-16.0% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 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)