BlastPoint's Credit Union Scorecard
ALLIANCE CATHOLIC
Charter #61759 · MI
ALLIANCE CATHOLIC has 8 strengths but faces 1 concern
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
- + Relationship Depth Leader: Top 2.3% in tier
- + Wallet Share Momentum: Top 2.3% in tier
- + ROA 0.97% above tier average
- + Net Interest Margin 0.08% above tier average
- + Fee Income Per Member: Top 1.2% in tier
- + Loan Growth Rate: Top 1.8% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Asset Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 3.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,701
+0.2% YoY-0.6% QoQ
|
-5.4K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$707.4M
+11.3% YoY+5.2% QoQ
|
+$87.7M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$442.6M
+31.5% YoY+5.6% QoQ
|
+$23.3M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$615.7M
+10.0% YoY+4.8% QoQ
|
+$76.2M |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
1.7%
+691.1% YoY+338.7% QoQ
|
+1.0% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 5.4% in tier |
| NIM |
3.5%
+10.4% YoY+1.2% QoQ
|
+0.1% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
70.9%
-20.8% YoY-17.5% QoQ
|
-7.5% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
0.3%
-29.4% YoY-14.0% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
71.9%
+19.6% YoY+0.7% QoQ
|
-5.8% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$32,362
+17.8% YoY+5.8% QoQ
|
+$5K |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
24.6%
+19.4% YoY+2.1% QoQ
|
+0.4% | 24.3% | 18.6% | 19.8% | 52% |
| Indirect Auto % |
9.1%
+40.7% YoY+2.7% QoQ
|
-4.7% | 13.8% | 11.7% | 7.7% | 52% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)