BlastPoint's Credit Union Scorecard
ALPENA-ALCONA AREA
Charter #62035 · MI
ALPENA-ALCONA AREA has 7 strengths but faces 3 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.8% in tier
- + Organic Growth Leader: Top 47.5% in tier
- + Wallet Share Momentum: Top 53.7% in tier
- + ROA 0.70% above tier average
- + Net Interest Margin 0.03% above tier average
- + Efficiency Ratio: Top 8.5% in tier
- + Loan Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 40.9% in tier
- - Indirect Auto Dependency: Bottom 73.7% in tier
- - Credit Quality Pressure: Bottom 81.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,171
+2.7% YoY+0.7% QoQ
|
-2.9K |
52,084
-1.6% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$930.8M
+8.1% YoY+1.3% QoQ
|
+$66.9M |
$863.9M
+0.5% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$588.5M
+15.0% YoY+2.6% QoQ
|
$-17.3M |
$605.8M
+1.4% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$810.9M
+7.3% YoY+1.2% QoQ
|
+$73.6M |
$737.3M
+0.1% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
1.4%
+14.6% YoY-8.6% QoQ
|
+0.7% |
0.7%
+39.1% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 8.5% in tier |
| NIM |
3.4%
+5.6% YoY+0.2% QoQ
|
+0.0% |
3.4%
+8.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
59.4%
-1.4% YoY+4.1% QoQ
|
-14.9% |
74.3%
-3.6% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
0.8%
+9.4% YoY+7.9% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
72.6%
+7.1% YoY+1.3% QoQ
|
-10.0% |
82.6%
+1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$28,460
+7.5% YoY+1.1% QoQ
|
$-413 |
$28,873
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
31.5%
+4.4% YoY+3.6% QoQ
|
+7.1% | 24.4% | 18.6% | 19.8% | 75% |
| Indirect Auto % |
17.8%
+0.8% YoY-1.8% QoQ
|
+4.0% | 13.8% | 11.8% | 7.8% | 68% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)