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
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.71% above tier average
- + Net Interest Margin 0.15% above tier average
- + Total Members: Top 5.0% in tier
- + Total Deposits: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,766
+1.0% YoY+0.2% QoQ
|
+16.6K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 5.0% in tier |
| Assets |
$404.4M
+5.4% YoY+2.9% QoQ
|
+$172.7M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Top 10.4% in tier |
| Loans |
$262.3M
+9.8% YoY+2.2% QoQ
|
+$118.2M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 10.5% in tier |
| Deposits |
$356.2M
+3.7% YoY+3.0% QoQ
|
+$155.1M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Top 9.4% in tier |
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| ROA |
1.4%
+36.4% YoY-5.6% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 12.4% in tier |
| NIM |
3.8%
+10.6% YoY+2.8% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
69.6%
-7.1% YoY+1.6% QoQ
|
-8.4% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
0.2%
-29.7% YoY+3.9% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 12.1% in tier |
| Loan To Share |
73.6%
+5.8% YoY-0.9% QoQ
|
+3.2% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$19,471
+5.2% YoY+2.5% QoQ
|
$-5K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration |
19.5%
-6.8% YoY-8.1% QoQ
|
-4.8% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
27.4%
+2.0% YoY+1.7% QoQ
|
+13.6% | 13.8% | 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)