BlastPoint's Credit Union Scorecard
ALLIANCE CATHOLIC
Charter #61759 · MI
ALLIANCE CATHOLIC has 8 strengths but faces 4 concerns
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 10.5% in tier
- + Wallet Share Momentum: Top 23.3% in tier
- + Organic Growth Leader: Top 29.2% in tier
- + Organic Growth Engine: Top 32.3% in tier
- + Credit Quality Leader: Top 64.9% in tier
- + Net Interest Margin 0.08% above tier average
- + Loan Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.3% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 10.73% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,848
+0.8% YoY+0.1% QoQ
|
-6.9K |
39,752
-2.7% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$653.9M
+4.3% YoY+1.5% QoQ
|
+$31.5M |
$622.4M
+0.3% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$399.9M
+24.1% YoY+7.1% QoQ
|
$-36.1M |
$435.9M
-0.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$572.3M
+3.9% YoY+0.9% QoQ
|
+$34.3M |
$538.0M
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
0.2%
-89.8% YoY+46.7% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
3.5%
+18.2% YoY+4.7% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
88.8%
+41.4% YoY-2.0% QoQ
|
+10.7% |
78.1%
-3.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate |
0.3%
-48.5% YoY-12.1% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
69.9%
+19.4% YoY+6.2% QoQ
|
-11.2% |
81.0%
-1.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$29,597
+10.4% YoY+3.2% QoQ
|
+$3K |
$26,482
+2.6% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
23.5%
+8.4% YoY+8.3% QoQ
|
-0.9% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
47% |
| Indirect Auto % |
8.6%
+67.1% YoY+5.4% QoQ
|
-5.4% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
51% |
Signature Analysis
Strengths (5)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)