BlastPoint's Credit Union Scorecard
ONE DETROIT
Charter #61495 · MI
ONE DETROIT has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.18% above tier average
- + Total Members: Top 0.5% in tier
- + Fee Income Per Member: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.60% below tier average
- - Efficiency ratio 7.51% above tier (higher cost structure)
- - Delinquency rate 0.44% above tier average
- - Net Charge-Off Rate: Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,460
+2.2% YoY+1.6% QoQ
|
+9.8K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 0.5% in tier |
| Assets |
$65.0M
-1.4% YoY+3.0% QoQ
|
+$34.9M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Top 14.6% in tier |
| Loans |
$35.9M
+1.2% YoY-2.2% QoQ
|
+$20.7M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 12.7% in tier |
| Deposits |
$49.1M
-0.2% YoY+3.1% QoQ
|
+$23.4M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
-1.5%
-29.1% YoY-39.1% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.3% in tier |
| NIM |
6.2%
+3.6% YoY-1.7% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
98.1%
-4.6% YoY-7.1% QoQ
|
+7.5% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
1.9%
-29.1% YoY-23.6% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
73.1%
+1.4% YoY-5.1% QoQ
|
+14.6% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$6,828
-1.7% YoY-0.8% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.4% in tier |
| CD Concentration |
7.9%
-5.8% YoY-4.8% QoQ
|
-16.4% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)