BlastPoint's Credit Union Scorecard
MICHIGAN COASTAL
Charter #61631 · MI
MICHIGAN COASTAL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + Loan-to-Share Ratio: Top 5.7% in tier
- + Fee Income Per Member: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 5.93% above tier (higher cost structure)
- - Delinquency rate 1.40% above tier average
- - Member decline: -3.5% YoY
- - Net Worth Ratio: Bottom 5.0% in tier
- - First Mortgage Concentration (%): Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,502
-3.5% YoY-0.6% QoQ
|
-123 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$26.3M
-7.4% YoY-3.8% QoQ
|
$-3.6M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$23.3M
-4.6% YoY-1.7% QoQ
|
+$7.5M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$24.0M
-7.5% YoY-3.8% QoQ
|
$-1.5M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
-0.2%
-44.9% YoY+518.0% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.8% in tier |
| NIM |
4.3%
+18.0% YoY+2.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
87.3%
+2.0% YoY-1.5% QoQ
|
+5.9% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
2.9%
-31.8% YoY-8.4% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 12.4% in tier |
| Loan To Share |
97.0%
+3.1% YoY+2.2% QoQ
|
+35.8% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$18,902
-2.7% YoY-2.3% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
26.4%
-12.4% YoY+5.5% QoQ
|
+2.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.3%
-28.7% YoY-8.4% QoQ
|
-12.7% |
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)