BlastPoint's Credit Union Scorecard
EMBERS
Charter #62038 · MI
EMBERS has 3 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
- + Wallet Share Momentum: Top 88.5% in tier
- + ROA 0.23% above tier average
- + First Mortgage Concentration (%): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,332
+0.4% YoY-1.5% QoQ
|
-6.2K |
38,575
-4.8% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$583.6M
+6.3% YoY+1.5% QoQ
|
$-38.1M |
$621.7M
+0.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$369.9M
+8.4% YoY+2.3% QoQ
|
$-59.9M |
$429.8M
-1.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$512.0M
+4.4% YoY+1.6% QoQ
|
$-26.7M |
$538.7M
+0.6% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.9%
+135.3% YoY+11.7% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
3.4%
+17.9% YoY+1.8% QoQ
|
-0.0% |
3.4%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
76.7%
-11.9% YoY-1.8% QoQ
|
-0.8% |
77.5%
-4.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.3%
-25.0% YoY-13.4% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
72.2%
+3.9% YoY+0.7% QoQ
|
-7.6% |
79.8%
-2.3% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$27,277
+5.6% YoY+3.5% QoQ
|
+$428 |
$26,849
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
28.3%
-2.9% YoY+5.6% QoQ
|
+3.8% | 24.4% | 18.6% | 19.8% | 64% |
| Indirect Auto % |
8.7%
-0.4% YoY-0.9% QoQ
|
-5.1% | 13.8% | 11.8% | 7.8% | 51% |
Signature Analysis
Strengths (1)
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)