BlastPoint's Credit Union Scorecard
ARBOR FINANCIAL
Charter #61708 · MI
ARBOR FINANCIAL has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 42.4% in tier
- + Organic Growth Leader: Top 42.4% in tier
- + Share Certificate Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 41.1% in tier
- - Credit Quality Pressure: Bottom 50.5% in tier
- - Deposit Outflow: Bottom 84.3% in tier
- - Flatlined Growth: Bottom 85.7% in tier
- - Shrinking Wallet Share: Bottom 87.7% in tier
- - Efficiency ratio 5.48% above tier (higher cost structure)
- - Delinquency rate 1.02% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 7 that size in Michigan.
- Shares and deposits -0.5% year over year ($771M in shares and deposits).
- Membership: 47,138 members, +0.8% vs a year ago.
- Delinquency rate 1.81%.
- Return on assets 0.83%.
- Efficiency ratio 80.02% vs a 74.54% peer average.
- Loan-to-share ratio 88.92% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,138
+0.8% YoY-0.4% QoQ
|
-5.3K |
52,482
+1.3% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$899.0M
-0.4% YoY-0.7% QoQ
|
+$35.0M |
$863.9M
+0.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$685.2M
-1.2% YoY+0.8% QoQ
|
+$77.4M |
$607.8M
+2.1% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$770.6M
-0.5% YoY-1.0% QoQ
|
+$30.7M |
$739.9M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.8%
+28.1% YoY+30.7% QoQ
|
+0.0% |
0.8%
+30.4% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.3%
+12.2% YoY+3.1% QoQ
|
-0.2% |
3.5%
+6.2% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
80.0%
-2.7% YoY-3.4% QoQ
|
+5.5% |
74.5%
-1.4% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
1.8%
+0.8% YoY+41.7% QoQ
|
+1.0 |
0.8%
+1.0% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.2% in tier |
| Loan To Share |
88.9%
-0.7% YoY+1.9% QoQ
|
+6.3% |
82.6%
+1.9% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$30,884
-1.6% YoY+0.3% QoQ
|
+$2K |
$28,702
+0.4% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
11.8%
-13.7% YoY+0.9% QoQ
|
-12.7% | 24.6% | 18.8% | 20.0% | Bottom 11.0% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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 (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)