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
- + Organic Growth Engine: Top 41.8% in tier
- + Organic Growth Leader: Top 41.8% in tier
- + Share Certificate Concentration (%): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34.4% in tier
- - Shrinking Wallet Share: Bottom 88.4% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 7.27% above tier (higher cost structure)
- - Delinquency rate 0.60% above tier average
- - First Mortgage Concentration (%): Bottom 9.4% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,329
+0.9% YoY+0.6% QoQ
|
-4.2K |
51,500
+0.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$905.3M
+0.8% YoY-1.0% QoQ
|
+$39.6M |
$865.6M
+0.9% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$679.5M
-2.9% YoY-0.9% QoQ
|
+$84.2M |
$595.3M
+1.6% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$778.4M
+0.7% YoY+0.6% QoQ
|
+$36.2M |
$742.2M
+0.6% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.6%
+31.9% YoY-19.5% QoQ
|
-0.1% |
0.8%
+45.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
3.2%
+11.7% YoY+4.9% QoQ
|
-0.2% |
3.5%
+6.1% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
82.8%
-3.3% YoY+4.7% QoQ
|
+7.3% |
75.5%
-3.4% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
1.3%
-6.6% YoY-26.5% QoQ
|
+0.6 |
0.7%
-0.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.0% in tier |
| Loan To Share |
87.3%
-3.6% YoY-1.4% QoQ
|
+6.7% |
80.6%
+0.7% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$30,803
-1.9% YoY-0.7% QoQ
|
+$2K |
$28,908
+0.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
67% |
| CD Concentration |
11.7%
-20.8% YoY-6.8% QoQ
|
-12.6% | 24.3% | 18.6% | 19.8% | Bottom 11.0% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)