BlastPoint's Credit Union Scorecard
ARBOR FINANCIAL
Charter #61708 · MI
ARBOR FINANCIAL has 4 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 5.1% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 97.6% in tier
- - Efficiency ratio 4.75% above tier (higher cost structure)
- - Delinquency rate 0.86% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
- - Members Per Employee (MPE): Bottom 8.5% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,036
+0.4% YoY+0.3% QoQ
|
-5.0K |
52,084
-1.6% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$914.2M
+1.2% YoY+1.8% QoQ
|
+$50.3M |
$863.9M
+0.5% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$685.5M
-3.6% YoY-0.2% QoQ
|
+$79.7M |
$605.8M
+1.4% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$774.0M
+3.1% YoY+0.9% QoQ
|
+$36.7M |
$737.3M
+0.1% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.8%
+13.8% YoY+15.4% QoQ
|
+0.0% |
0.7%
+39.1% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.1%
+13.3% YoY+1.4% QoQ
|
-0.3% |
3.4%
+8.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
79.1%
-2.9% YoY-1.6% QoQ
|
+4.8% |
74.3%
-3.6% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.7%
-10.2% YoY+18.4% QoQ
|
+0.9 |
0.9%
+3.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 8.5% in tier |
| Loan To Share |
88.6%
-6.5% YoY-1.0% QoQ
|
+6.0% |
82.6%
+1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$31,030
-0.6% YoY+0.1% QoQ
|
+$2K |
$28,873
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
12.6%
-20.0% YoY-9.7% QoQ
|
-11.9% | 24.4% | 18.6% | 19.8% | Bottom 12.7% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)