BlastPoint's Credit Union Scorecard
ONE DETROIT
Charter #61495 · MI
ONE DETROIT has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.4% in tier
- + Fee Income Per Member: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 3.17% below tier average
- - Efficiency ratio 24.93% above tier (higher cost structure)
- - Delinquency rate 1.12% above tier average
- - Net Charge-Off Rate: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,588
+2.6% YoY+1.9% QoQ
|
+10.0K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 0.4% in tier |
| Assets |
$62.4M
-2.9% YoY-3.5% QoQ
|
+$32.6M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$36.0M
+0.7% YoY+0.8% QoQ
|
+$20.2M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 13.5% in tier |
| Deposits |
$46.3M
-1.3% YoY-4.5% QoQ
|
+$20.8M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
-2.5%
-481.4% YoY+13.9% QoQ
|
-3.2% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.6% in tier |
| NIM |
6.2%
-1.0% YoY+3.6% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
106.3%
+34.2% YoY-0.2% QoQ
|
+24.9% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
2.6%
+1.6% YoY-14.4% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 14.2% in tier |
| Loan To Share |
77.7%
+2.0% YoY+5.5% QoQ
|
+16.5% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$6,532
-3.0% YoY-4.0% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.5% in tier |
| CD Concentration |
8.9%
+15.2% YoY+13.5% QoQ
|
-15.5% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)