BlastPoint's Credit Union Scorecard
MICHIGAN COASTAL
Charter #61631 · MI
MICHIGAN COASTAL has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.83% above tier average
- + Fee Income Per Member: Top 5.2% in tier
- + Loan-to-Share Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Delinquency rate 2.49% above tier average
- - Member decline: -3.6% YoY
- - First Mortgage Concentration (%): Bottom 6.3% in tier
- - Net Worth Ratio: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits -6.3% year over year ($23.4M in shares and deposits).
- Membership: 2,426 members, -3.6% vs a year ago.
- Delinquency rate 4.04%.
- Return on assets 0.77%.
- Efficiency ratio 79.06% vs a 88.77% peer average.
- Loan-to-share ratio 89.84% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,426
-3.6% YoY-0.1% QoQ
|
-159 |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$25.7M
-5.8% YoY-1.3% QoQ
|
$-4.5M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$21.0M
-11.3% YoY-6.6% QoQ
|
+$5.6M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$23.4M
-6.3% YoY-1.6% QoQ
|
$-2.4M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
57% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+15.4% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.7%
+14.4% YoY+1.9% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
79.1%
-10.8% YoY+0.1% QoQ
|
-9.7% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
4.0%
+27.2% YoY+642.8% QoQ
|
+2.5 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.5% in tier |
| Loan To Share |
89.8%
-5.4% YoY-5.1% QoQ
|
+30.9% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Top 9.4% in tier |
| AMR |
$18,303
-5.4% YoY-3.9% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
23.5%
-6.3% YoY+0.4% QoQ
|
-1.1% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
0.9%
-37.1% YoY-15.5% QoQ
|
-12.7% | 13.6% | 11.7% | 7.7% | 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)