BlastPoint's Credit Union Scorecard
MICHIGAN SCHOOLS AND GOVERNMENT
Charter #62049 · MI
MICHIGAN SCHOOLS AND GOVERNMENT has 7 strengths but faces 3 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 Leader: Top 18.7% in tier
- + Organic Growth Engine: Top 18.7% in tier
- + Relationship Depth Leader: Top 47.6% in tier
- + Strong member growth: 5.6% YoY
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Average Member Relationship (AMR): Top 5.1% in tier
- + Total Loans: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.6% in tier
- - Share Certificate Concentration (%): Bottom 5.1% in tier
- - Fee Income Per Member: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162,111
+5.6% YoY+0.6% QoQ
|
-58.3K |
220,435
-7.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$4.4B
+10.1% YoY+2.0% QoQ
|
+$451.0M |
$3.9B
-1.5% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$3.7B
+8.6% YoY+0.8% QoQ
|
+$814.8M |
$2.9B
-1.1% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 9.0% in tier |
| Deposits |
$3.7B
+9.8% YoY+3.8% QoQ
|
+$373.8M |
$3.3B
-2.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
74% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+81.6% YoY-33.4% QoQ
|
+0.0% |
0.7%
+10.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
2.9%
+15.1% YoY+6.9% QoQ
|
-0.3% |
3.2%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
67.3%
-10.7% YoY+13.0% QoQ
|
-3.9% |
71.3%
-2.6% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.4%
-9.7% YoY-40.8% QoQ
|
-0.4 |
0.7%
+9.2% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
101.0%
-1.1% YoY-2.8% QoQ
|
+13.0% |
88.0%
+0.9% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Top 14.1% in tier |
| AMR |
$45,522
+3.4% YoY+1.7% QoQ
|
+$15K |
$30,672
+5.5% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 6.4% in tier |
| CD Concentration |
46.8%
+0.5% YoY-0.6% QoQ
|
+17.9% | 28.8% | 18.6% | 19.8% | Top 3.7% in tier |
| Indirect Auto % |
14.5%
-8.5% YoY-1.4% QoQ
|
-3.6% | 18.1% | 11.7% | 7.7% | 47% |
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)