BlastPoint's Credit Union Scorecard

MICHIGAN COASTAL

Charter #61631 · MI

<100M

2508 CUs in <100M nationally 56 in MI

MICHIGAN COASTAL has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.52% above tier average
+ Net Interest Margin 0.63% above tier average
+ Fee Income Per Member: Top 4.6% in tier
+ Loan-to-Share Ratio: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -4.4% YoY
- First Mortgage Concentration (%): Bottom 6.3% in tier
- Net Worth Ratio: Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,429 -4.4% YoY-0.7% QoQ	-247	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	60%
Assets	$26.1M -5.0% YoY-1.1% QoQ	$-4.1M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	55%
Loans	$22.5M -6.3% YoY-4.0% QoQ	+$7.2M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	74%
Deposits	$23.8M -5.1% YoY-1.3% QoQ	$-2.0M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	57%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -450.5% YoY-646.5% QoQ	+0.5%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	53%
NIM	4.6% +16.4% YoY+3.6% QoQ	+0.6%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	78.9% -15.9% YoY-7.2% QoQ	-11.7%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	0.5% -64.9% YoY-69.8% QoQ	-1.0	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	45%
Loan To Share	94.7% -1.2% YoY-2.8% QoQ	+36.1%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Top 5.2% in tier
AMR	$19,048 -1.4% YoY-2.0% QoQ	+$4K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	74%
CD Concentration	23.4% -2.9% YoY-6.3% QoQ	-0.9%	24.3%	18.6%	19.8%	50%
Indirect Auto %	1.1% -32.8% YoY-7.2% QoQ	-12.7%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

116

Fee Income Per Member

profitability

Value: $204.48

Peer Median: $60.42

#116 of 2508 Top 4.6% in <100M tier

129

Loan-to-Share Ratio

balance_sheet

Value: 94.65%

Peer Median: 58.72%

#129 of 2508 Top 5.1% in <100M tier

263

Loan-to-Member Ratio (LMR)

engagement

Value: $9,262

Peer Median: $4,923

#263 of 2508 Top 10.4% in <100M tier

474

Net Interest Margin (NIM)

profitability

Value: 4.64%

Peer Median: 3.83%

#474 of 2508 Top 18.9% in <100M tier

Top Weaknesses (6 metrics)

2352

First Mortgage Concentration (%)

balance_sheet

Value: 54.66%

Peer Median: 3.66%

#2352 of 2508 Bottom 6.3% in <100M tier

2350

Net Worth Ratio

risk

Value: 8.34%

Peer Median: 14.28%

#2350 of 2508 Bottom 6.3% in <100M tier

2171

Indirect Auto Concentration (%)

balance_sheet

Value: 1.07%

Peer Median: 0.00%

#2171 of 2508 Bottom 13.5% in <100M tier

2158

Asset Growth Rate

growth

Value: -5.01%

Peer Median: 1.30%

#2158 of 2508 Bottom 14.0% in <100M tier

2070

Deposit Growth Rate

growth

Value: -5.12%

Peer Median: 0.66%

#2070 of 2508 Bottom 17.5% in <100M tier

1994

Member Growth Rate

growth

Value: -4.37%

Peer Median: -1.37%

#1994 of 2508 Bottom 20.5% in <100M tier