BlastPoint's Credit Union Scorecard
HARBORLIGHT
Charter #62066 · MI
HARBORLIGHT has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 0.52% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency ratio 0.34% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,504
-0.2% YoY-0.4% QoQ
|
-3.9K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$162.0M
+3.0% YoY-0.0% QoQ
|
$-69.9M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$109.6M
+3.0% YoY-0.5% QoQ
|
$-37.7M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$141.8M
+2.1% YoY-0.5% QoQ
|
$-59.0M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
1.3%
+41.5% YoY+6.9% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
4.1%
+13.2% YoY+2.6% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
77.4%
-1.0% YoY-0.6% QoQ
|
+0.3% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.5%
+191.1% YoY+370.7% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
77.3%
+0.9% YoY-0.1% QoQ
|
+5.1% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$21,855
+2.7% YoY-0.1% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
11.5%
-10.3% YoY+2.9% QoQ
|
-12.9% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)