BlastPoint's Credit Union Scorecard
MONROE COMMUNITY
Charter #61748 · MI
MONROE COMMUNITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 44.1% in tier
- + ROA 0.76% above tier average
- + Net Interest Margin 0.07% above tier average
- + Total Members: Top 5.5% in tier
- + Total Delinquency Rate (60+ days): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 44.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,705
+1.7% YoY-0.6% QoQ
|
+16.3K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 5.6% in tier |
| Assets |
$393.1M
+7.6% YoY+2.1% QoQ
|
+$161.2M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 12.2% in tier |
| Loans |
$256.8M
+7.0% YoY+2.3% QoQ
|
+$109.4M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 12.7% in tier |
| Deposits |
$345.7M
+5.3% YoY+1.6% QoQ
|
+$144.9M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 11.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
+21.3% YoY+11.4% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 10.5% in tier |
| NIM |
3.7%
+10.1% YoY+1.9% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
68.5%
-2.1% YoY-2.6% QoQ
|
-8.5% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.2%
-22.7% YoY-16.7% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.8% in tier |
| Loan To Share |
74.3%
+1.6% YoY+0.6% QoQ
|
+2.0% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$19,002
+4.2% YoY+2.5% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
21.2%
+0.4% YoY+4.6% QoQ
|
-3.2% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
26.9%
+0.9% YoY-2.0% QoQ
|
+13.1% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)