BlastPoint's Credit Union Scorecard
EMBERS
Charter #62038 · MI
EMBERS demonstrates 7 strengths
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 24.4% in tier
- + Organic Growth Engine: Top 24.4% in tier
- + Wallet Share Momentum: Top 30.2% in tier
- + ROA 0.30% above tier average
- + Net Charge-Off Rate: Top 1.2% in tier
- + Total Delinquency Rate (60+ days): Top 4.8% in tier
- + First Mortgage Concentration (%): Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,170
+2.6% YoY+2.6% QoQ
|
-4.9K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$612.9M
+8.2% YoY+5.0% QoQ
|
$-6.7M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$383.4M
+10.0% YoY+3.6% QoQ
|
$-36.0M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$539.3M
+7.5% YoY+5.3% QoQ
|
$-217K |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
1.0%
+84.0% YoY+11.2% QoQ
|
+0.3% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
3.5%
+12.6% YoY+2.5% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
50% |
| Efficiency Ratio |
75.6%
-7.6% YoY-1.4% QoQ
|
-2.8% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
0.1%
-32.8% YoY-47.6% QoQ
|
-0.6 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 4.8% in tier |
| Loan To Share |
71.1%
+2.4% YoY-1.6% QoQ
|
-6.6% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$27,815
+5.8% YoY+2.0% QoQ
|
+$888 |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
28.0%
-4.4% YoY-0.8% QoQ
|
+3.8% | 24.3% | 18.6% | 19.8% | 65% |
| Indirect Auto % |
8.4%
-2.1% YoY-3.7% QoQ
|
-5.4% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)