BlastPoint's Credit Union Scorecard
MICHIGAN SCHOOLS AND GOVERNMENT
Charter #62049 · MI
MICHIGAN SCHOOLS AND GOVERNMENT has 9 strengths but faces 4 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 7.7% in tier
- + Organic Growth Leader: Top 29.1% in tier
- + Relationship Depth Leader: Top 71.9% in tier
- + ROA 0.40% above tier average
- + Strong member growth: 5.5% YoY
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
- + Efficiency Ratio: Top 9.2% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.9% in tier
- - Credit Risk Growth: Bottom 77.3% in tier
- - Credit Quality Pressure: Bottom 95.2% in tier
- - Share Certificate Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
161,135
+5.5% YoY+0.6% QoQ
|
-69.2K |
230,353
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$4.3B
+9.9% YoY+2.8% QoQ
|
+$340.2M |
$3.9B
+0.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$3.7B
+9.1% YoY+2.1% QoQ
|
+$741.4M |
$2.9B
-0.2% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 10.5% in tier |
| Deposits |
$3.5B
+9.6% YoY+3.4% QoQ
|
+$227.4M |
$3.3B
-0.3% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
1.1%
+14.5% YoY-4.8% QoQ
|
+0.4% |
0.7%
+16.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
2.7%
+19.0% YoY+1.2% QoQ
|
-0.5% |
3.1%
+9.8% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
59.6%
-5.1% YoY+0.3% QoQ
|
-11.8% |
71.4%
-1.4% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.2% in tier |
| Delinquency Rate |
0.6%
+3.0% YoY+17.1% QoQ
|
-0.2 |
0.9%
+5.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
103.9%
-0.4% YoY-1.2% QoQ
|
+15.0% |
88.9%
-0.2% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Top 14.5% in tier |
| AMR |
$44,775
+3.7% YoY+2.1% QoQ
|
+$15K |
$29,682
+1.5% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 5.3% in tier |
| CD Concentration |
47.0%
+0.9% YoY+1.2% QoQ
|
+18.0% | 29.0% | 18.6% | 19.8% | Top 4.5% in tier |
| Indirect Auto % |
14.7%
-10.7% YoY-3.1% QoQ
|
-3.6% | 18.3% | 11.8% | 7.8% | 47% |
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
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.
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)