BlastPoint's Credit Union Scorecard
LAKE HURON
Charter #61638 · MI
LAKE HURON has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.78% above tier average
- + Total Loans: Top 1.2% in tier
- + Total Assets: Top 6.3% in tier
- + Total Members: Top 7.5% in tier
- + Total Deposits: Top 7.8% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
- + Fee Income Per Member: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
- - Indirect Auto Concentration (%): Bottom 6.2% in tier
- - First Mortgage Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,264
-3.0% YoY-0.1% QoQ
|
+3.6K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 7.6% in tier |
| Assets |
$82.5M
-1.9% YoY+2.6% QoQ
|
+$52.4M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Top 6.4% in tier |
| Loans |
$61.1M
+3.9% YoY+0.3% QoQ
|
+$45.8M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 1.2% in tier |
| Deposits |
$67.8M
-3.6% YoY+2.9% QoQ
|
+$42.0M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Top 7.9% in tier |
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| ROA |
0.7%
+61.0% YoY-15.1% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
4.8%
+11.5% YoY-3.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
78.4%
-13.1% YoY-6.5% QoQ
|
-12.3% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.6%
-20.5% YoY-50.8% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
90.1%
+7.8% YoY-2.5% QoQ
|
+31.5% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Top 8.2% in tier |
| AMR |
$20,580
+2.9% YoY+1.8% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
25.8%
-6.3% YoY-2.6% QoQ
|
+1.5% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
17.1%
-13.6% YoY-0.9% QoQ
|
+3.3% | 13.8% | 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)