BlastPoint's Credit Union Scorecard
MICHIGAN SCHOOLS AND GOVERNMENT
Charter #62049 · MI
MICHIGAN SCHOOLS AND GOVERNMENT has 8 strengths but faces 5 concerns
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 Engine: Top 2.6% in tier
- + Organic Growth Leader: Top 11.2% in tier
- + Profitability Leader: Top 58.5% in tier
- + Relationship Depth Leader: Top 60.6% in tier
- + ROA 0.42% above tier average
- + Strong member growth: 5.3% YoY
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.7% in tier
- - Credit Risk Growth: Bottom 19.2% in tier
- - Credit Quality Pressure: Bottom 24.6% in tier
- - Indirect Auto Dependency: Bottom 25.8% in tier
- - Share Certificate Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
160,138
+5.3% YoY+1.0% QoQ
|
-78.3K |
238,465
+0.6% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 10.5% in tier |
| Assets |
$4.2B
+9.5% YoY+1.7% QoQ
|
+$195.5M |
$4.0B
-0.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$3.6B
+9.9% YoY+2.0% QoQ
|
+$581.4M |
$3.0B
+3.3% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$3.4B
+8.9% YoY-0.6% QoQ
|
+$90.1M |
$3.3B
+1.1% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
1.2%
+10.9% YoY+20.4% QoQ
|
+0.4% |
0.7%
+5.3% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
2.7%
+18.8% YoY+1.9% QoQ
|
-0.5% |
3.2%
+13.7% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
59.4%
-3.8% YoY-6.0% QoQ
|
-11.8% |
71.3%
-0.6% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate |
0.5%
+4.3% YoY-5.6% QoQ
|
-0.3 |
0.8%
+15.9% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
105.2%
+0.9% YoY+2.7% QoQ
|
+14.3% |
90.8%
+2.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Top 13.2% in tier |
| AMR |
$43,860
+3.9% YoY-0.3% QoQ
|
+$15K |
$29,088
+0.1% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 5.3% in tier |
| CD Concentration |
46.5%
+0.1% YoY+2.0% QoQ
|
+17.5% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
Top 4.5% in tier |
| Indirect Auto % |
15.2%
-12.4% YoY-0.6% QoQ
|
-3.6% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
47% |
Signature Analysis
Strengths (4)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)