BlastPoint's Credit Union Scorecard
EMBERS
Charter #62038 · MI
EMBERS demonstrates 5 strengths
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
- + Organic Growth Leader: Top 12.1% in tier
- + Organic Growth Engine: Top 16.1% in tier
- + Credit Quality Leader: Top 69.9% in tier
- + ROA 0.13% above tier average
- + First Mortgage Concentration (%): Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,834
+3.2% YoY+1.6% QoQ
|
-6.9K |
39,752
-2.7% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$575.2M
+6.1% YoY+1.2% QoQ
|
$-47.2M |
$622.4M
+0.3% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$361.5M
+6.7% YoY+1.6% QoQ
|
$-74.4M |
$435.9M
-0.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$504.1M
+4.7% YoY+0.5% QoQ
|
$-33.9M |
$538.0M
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
0.8%
+111.7% YoY+25.8% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.3%
+16.3% YoY+4.3% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
78.1%
-11.0% YoY-3.0% QoQ
|
-0.0% |
78.1%
-3.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.3%
-29.8% YoY+34.0% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
71.7%
+1.9% YoY+1.0% QoQ
|
-9.3% |
81.0%
-1.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$26,364
+2.2% YoY-0.6% QoQ
|
$-118 |
$26,482
+2.6% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
26.8%
-7.9% YoY-3.8% QoQ
|
+2.3% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
59% |
| Indirect Auto % |
8.8%
-2.6% YoY+1.0% QoQ
|
-5.2% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
52% |
Signature Analysis
Strengths (3)
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 (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)