BlastPoint's Credit Union Scorecard
MONROE COMMUNITY
Charter #61748 · MI
MONROE COMMUNITY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 0.23% above tier average
- + Total Members: Top 5.0% in tier
- + Total Deposits: Top 9.0% in tier
- + Total Loans: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits +2.4% year over year ($355M in shares and deposits).
- Membership: 32,051 members, +1.4% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 1.48%.
- Efficiency ratio 69.44% vs a 76.73% peer average.
- Loan-to-share ratio 77.79% vs a 71.54% 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 |
32,051
+1.4% YoY+0.9% QoQ
|
+16.9K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 5.1% in tier |
| Assets |
$406.4M
+4.2% YoY+0.5% QoQ
|
+$174.4M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 10.2% in tier |
| Loans |
$276.4M
+12.9% YoY+5.4% QoQ
|
+$130.1M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Top 9.6% in tier |
| Deposits |
$355.2M
+2.4% YoY-0.3% QoQ
|
+$154.5M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 9.1% in tier |
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| ROA |
1.5%
+18.2% YoY+3.1% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 13.2% in tier |
| NIM |
3.9%
+12.0% YoY+3.7% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
69.4%
-2.4% YoY-0.3% QoQ
|
-7.3% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.2%
-16.7% YoY+7.6% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Top 10.4% in tier |
| Loan To Share |
77.8%
+10.3% YoY+5.6% QoQ
|
+6.2% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$19,706
+5.3% YoY+1.2% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
18.9%
-0.9% YoY-3.2% QoQ
|
-5.7% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
27.7%
+2.4% YoY+1.5% QoQ
|
+14.1% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)