BlastPoint's Credit Union Scorecard
FAMILY FINANCIAL
Charter #61633 · MI
FAMILY FINANCIAL faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.3% in tier
- - Indirect Auto Dependency: Bottom 26.9% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 11.53% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Average Member Relationship (AMR): Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,677
-0.1% YoY-0.1% QoQ
|
+1.2K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$165.0M
+7.4% YoY+1.4% QoQ
|
$-66.9M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$94.9M
-2.1% YoY-1.0% QoQ
|
$-52.5M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$144.4M
+7.8% YoY+1.9% QoQ
|
$-56.4M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.3%
-39.0% YoY-15.8% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.6%
-0.3% YoY-0.6% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
88.5%
+6.0% YoY+0.6% QoQ
|
+11.5% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 12.7% in tier |
| Delinquency Rate |
1.0%
-2.1% YoY-19.6% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
65.7%
-9.2% YoY-2.9% QoQ
|
-6.5% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$14,348
+3.7% YoY+0.8% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.4% in tier |
| CD Concentration |
17.2%
+15.1% YoY+3.1% QoQ
|
-7.3% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
28.7%
-3.3% YoY-0.0% QoQ
|
+14.9% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)