BlastPoint's Credit Union Scorecard

MONROE COMMUNITY

Charter #61748 · MI

1077 CUs in 100M-500M nationally 67 in MI

MONROE COMMUNITY has 7 strengths but faces 1 concern

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 9.8% in tier
+ Credit Quality Leader: Top 44.0% in tier
+ Profitability Leader: Top 56.6% in tier
+ ROA 0.58% above tier average
+ Net Interest Margin 0.02% above tier average
+ Net Charge-Off Rate: Top 3.0% in tier
+ Total Members: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 14.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	31,909 +3.1% YoY+0.9% QoQ	+16.3K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Top 5.8% in tier
Assets	$385.1M +6.5% YoY-1.3% QoQ	+$153.8M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	Top 13.0% in tier
Loans	$251.1M +4.8% YoY+2.6% QoQ	+$103.3M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	Top 14.1% in tier
Deposits	$340.1M +4.6% YoY-1.9% QoQ	+$139.9M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	Top 11.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +14.0% YoY+9.1% QoQ	+0.6%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	85%
NIM	3.6% +8.8% YoY+3.2% QoQ	+0.0%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	52%
Efficiency Ratio	70.3% -0.4% YoY-1.1% QoQ	-7.0%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	26%
Delinquency Rate	0.2% -0.0% YoY-10.6% QoQ	-0.6	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Bottom 12.0% in tier
Loan To Share	73.8% +0.2% YoY+4.7% QoQ	+1.1%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	49%
AMR	$18,529 +1.6% YoY-0.9% QoQ	$-6K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	26%
CD Concentration	20.3% +1.8% YoY+6.5% QoQ	-4.1%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	27.4% +0.0% YoY+1.3% QoQ	+13.5%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#181 of 603 • Top 9.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.05%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 27.44%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Credit Quality Leader

growth

#150 of 340 • Top 44.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.21%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.00% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY

Profitability Leader

growth

#193 of 340 • Top 56.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.17% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk

#238 of 525 • Bottom 14.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.53%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 27.44%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.05%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

Net Charge-Off Rate

risk

Value: 0.01%

Peer Avg: -

#33 of 1077 Top 3.0% in 100M-500M tier

Total Members

engagement

Value: 31,909

Peer Avg: -

#62 of 1077 Top 5.7% in 100M-500M tier

125

Total Deposits

balance_sheet

Value: $340.15M

Peer Avg: -

#125 of 1077 Top 11.5% in 100M-500M tier

130

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Avg: -

#130 of 1077 Top 12.0% in 100M-500M tier

140

Total Assets

balance_sheet

Value: $385.13M

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

152

Total Loans

balance_sheet

Value: $251.11M

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

164

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Avg: -

#164 of 1077 Top 15.1% in 100M-500M tier

180

Members Per Employee (MPE)

engagement

Value: 414.403

Peer Avg: -

#180 of 1077 Top 16.6% in 100M-500M tier

208

Member Growth Rate

growth

Value: 3.05%

Peer Avg: -

#208 of 1077 Top 19.2% in 100M-500M tier

240

First Mortgage Concentration (%)

balance_sheet

Value: 15.73%

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (1 metrics)

870

Indirect Auto Concentration (%)

balance_sheet

Value: 27.44%

Peer Avg: -

#870 of 1077 Bottom 19.3% in 100M-500M tier