BlastPoint's Credit Union Scorecard
MICHIGAN UNITED
Charter #61698 · MI
MICHIGAN UNITED has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 2.22% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,143
+1.2% YoY+0.5% QoQ
|
+8.7K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 13.9% in tier |
| Assets |
$335.8M
+1.3% YoY+1.1% QoQ
|
+$103.9M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$225.2M
+9.2% YoY+2.3% QoQ
|
+$77.9M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$292.3M
-0.4% YoY+0.9% QoQ
|
+$91.5M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
1.2%
+68.8% YoY-9.8% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
4.2%
+21.5% YoY+1.9% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
79.2%
-3.2% YoY+0.8% QoQ
|
+2.2% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.3%
+148.3% YoY+27.3% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
77.0%
+9.6% YoY+1.4% QoQ
|
+4.8% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$21,436
+2.4% YoY+1.0% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
13.5%
+1.3% YoY+1.1% QoQ
|
-10.9% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
29.6%
-16.3% YoY-4.9% QoQ
|
+15.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)