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 2.34% above tier average
- + Total Members: Top 0.4% in tier
- + Fee Income Per Member: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.01% below tier average
- - Efficiency ratio 23.06% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
- - Net Charge-Off Rate: Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,260
-1.8% YoY-2.6% QoQ
|
+9.6K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 0.4% in tier |
| Assets |
$63.1M
-1.4% YoY+1.1% QoQ
|
+$33.0M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$36.7M
+1.5% YoY+2.2% QoQ
|
+$21.0M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 12.9% in tier |
| Deposits |
$47.7M
+1.2% YoY+3.0% QoQ
|
+$22.0M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
-2.4%
-3484.2% YoY-4.1% QoQ
|
-3.0% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.6% in tier |
| NIM |
6.3%
-0.1% YoY+1.8% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
105.6%
+28.2% YoY-0.7% QoQ
|
+23.1% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.8% in tier |
| Delinquency Rate |
2.5%
-22.5% YoY-3.6% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
77.1%
+0.3% YoY-0.8% QoQ
|
+16.5% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$6,885
+3.2% YoY+5.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
8.3%
-2.7% YoY-6.6% QoQ
|
-16.1% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 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)