BlastPoint's Credit Union Scorecard
MONTCALM PUBLIC EMPLOYEES
Charter #61999 · MI
MONTCALM PUBLIC EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.57% above tier average
- - Member decline: -3.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,763
-3.9% YoY-4.7% QoQ
|
-852 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$25.9M
+7.4% YoY+3.3% QoQ
|
$-4.2M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$7.3M
-6.8% YoY-2.6% QoQ
|
$-8.5M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$21.6M
+7.5% YoY+3.4% QoQ
|
$-4.1M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
1.0%
-25.6% YoY+16.1% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.2%
+3.5% YoY+0.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
60.0%
+0.1% YoY-1.3% QoQ
|
-22.5% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.6% in tier |
| Delinquency Rate |
2.1%
-24.9% YoY+4.8% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
33.7%
-13.3% YoY-5.8% QoQ
|
-27.0% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.2% in tier |
| AMR |
$16,338
+7.7% YoY+6.8% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
23.6%
+23.9% YoY+7.6% QoQ
|
-0.8% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)