BlastPoint's Credit Union Scorecard
MICHIGAN COASTAL
Charter #61631 · MI
MICHIGAN COASTAL has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Loan-to-Share Ratio: Top 5.4% in tier
- + Fee Income Per Member: Top 6.6% in tier
- + Loan-to-Member Ratio (LMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 2.51% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Member decline: -4.9% YoY
- - Net Worth Ratio: Bottom 5.0% in tier
- - First Mortgage Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,446
-4.9% YoY-2.2% QoQ
|
-169 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$26.4M
-4.7% YoY+0.3% QoQ
|
$-3.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$23.4M
-3.2% YoY+0.6% QoQ
|
+$7.7M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$24.1M
-4.9% YoY+0.3% QoQ
|
$-1.6M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
-0.1%
-59.8% YoY-49.9% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.7% in tier |
| NIM |
4.5%
+22.3% YoY+5.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
85.1%
-0.6% YoY-2.6% QoQ
|
+2.5% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
1.8%
+425.6% YoY-38.1% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
97.4%
+1.8% YoY+0.3% QoQ
|
+36.7% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Top 5.5% in tier |
| AMR |
$19,427
+0.8% YoY+2.8% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
25.0%
-9.5% YoY-5.6% QoQ
|
+0.5% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
1.2%
-32.9% YoY-12.5% QoQ
|
-12.6% | 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)