BlastPoint's Credit Union Scorecard
ARBOR FINANCIAL
Charter #61708 · MI
ARBOR FINANCIAL has 3 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 6.2% in tier
- + Fee Income Per Member: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.1% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 5.84% above tier (higher cost structure)
- - Delinquency rate 0.65% above tier average
- - Asset Growth Rate: Bottom 7.1% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
- - First Mortgage Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,909
+0.2% YoY+0.3% QoQ
|
-5.2K |
52,114
-2.1% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$898.1M
-4.3% YoY-0.5% QoQ
|
+$39.1M |
$859.0M
+0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$686.6M
-5.2% YoY-1.0% QoQ
|
+$83.2M |
$603.4M
+1.0% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$767.1M
+4.9% YoY-1.0% QoQ
|
+$33.0M |
$734.2M
+0.9% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
0.7%
+0.2% YoY+5.6% QoQ
|
-0.0% |
0.7%
+27.6% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
3.0%
+17.9% YoY+2.3% QoQ
|
-0.3% |
3.4%
+9.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
80.4%
-2.7% YoY-2.2% QoQ
|
+5.8% |
74.5%
-3.2% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
1.5%
-19.1% YoY-18.2% QoQ
|
+0.7 |
0.8%
+5.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 12.5% in tier |
| Loan To Share |
89.5%
-9.7% YoY-0.0% QoQ
|
+6.8% |
82.7%
+0.1% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$30,990
-0.4% YoY-1.2% QoQ
|
+$2K |
$28,651
+2.5% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
13.9%
-7.3% YoY+1.6% QoQ
|
-10.5% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
16% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)