BlastPoint's Credit Union Scorecard
FAMILY FINANCIAL
Charter #61633 · MI
FAMILY FINANCIAL has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.03% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.9% in tier
- - Credit Quality Pressure: Bottom 8.7% in tier
- - Indirect Auto Dependency: Bottom 11.7% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 10.73% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Average Member Relationship (AMR): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,695
-0.1% YoY-0.0% QoQ
|
+1.1K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$162.7M
+5.2% YoY+0.7% QoQ
|
$-68.6M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$95.8M
-2.9% YoY+1.6% QoQ
|
$-52.0M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$141.7M
+5.1% YoY+0.5% QoQ
|
$-58.5M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
0.4%
-22.4% YoY+3.3% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.6%
+2.1% YoY+0.3% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
88.0%
+5.6% YoY-1.1% QoQ
|
+10.7% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
1.3%
+40.3% YoY+35.1% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
67.6%
-7.6% YoY+1.2% QoQ
|
-5.1% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$14,231
+1.8% YoY+1.0% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
16.7%
+18.1% YoY+5.0% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
28.7%
-3.7% YoY-0.3% QoQ
|
+14.7% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)