BlastPoint's Credit Union Scorecard
MICHIGAN UNITED
Charter #61698 · MI
MICHIGAN UNITED has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 54.9% in tier
- + Profitability Leader: Top 66.1% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.58% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 24.3% in tier
- - Credit Quality Pressure: Bottom 24.8% in tier
- - Credit Risk Growth: Bottom 26.2% in tier
- - Deposit Outflow: Bottom 41.2% in tier
- - Efficiency ratio 1.35% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,022
-0.3% YoY+0.6% QoQ
|
+8.4K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 14.9% in tier |
| Assets |
$332.3M
-1.4% YoY-1.4% QoQ
|
+$101.0M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$220.1M
+3.8% YoY+3.0% QoQ
|
+$72.3M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$289.9M
-2.7% YoY-1.4% QoQ
|
+$89.6M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
1.3%
+125.0% YoY-7.0% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
4.2%
+27.7% YoY+2.6% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
78.6%
-6.5% YoY-1.6% QoQ
|
+1.4% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.2%
+23.1% YoY+66.0% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.5% in tier |
| Loan To Share |
75.9%
+6.7% YoY+4.5% QoQ
|
+3.2% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$21,231
+0.3% YoY-0.1% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
13.4%
-12.9% YoY+2.3% QoQ
|
-11.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
31.1%
-15.5% YoY-3.2% QoQ
|
+17.1% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)