BlastPoint's Credit Union Scorecard
U.P. STATE
Charter #62085 · MI
U.P. STATE has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 7.8% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 1.01% above tier average
- + AMR Growth Rate: Top 2.9% in tier
- + Share Certificate Concentration (%): Top 7.1% in tier
- + Loan Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 12.3% in tier
- - Membership Headwinds: Bottom 15.0% in tier
- - Credit Risk Growth: Bottom 35.6% in tier
- - Stagnation Risk: Bottom 54.4% in tier
- - Indirect Auto Dependency: Bottom 63.0% in tier
- - Cost Spiral: Bottom 73.3% in tier
- - Credit Quality Pressure: Bottom 75.4% in tier
- - Member decline: -6.9% YoY
- - Member Growth Rate: 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 |
14,209
-6.9% YoY-7.8% QoQ
|
-1.2K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$206.5M
+4.9% YoY+2.1% QoQ
|
$-25.3M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$124.5M
+13.3% YoY+4.2% QoQ
|
$-22.8M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$179.4M
+4.2% YoY+1.8% QoQ
|
$-21.4M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
1.4%
-21.3% YoY+19.7% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 14.4% in tier |
| NIM |
4.6%
+8.9% YoY-0.2% QoQ
|
+1.0% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
75.5%
+8.9% YoY-4.7% QoQ
|
-1.5% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.7%
+16.2% YoY+45.8% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
69.4%
+8.7% YoY+2.4% QoQ
|
-2.8% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$21,392
+15.7% YoY+11.5% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
7.6%
-5.9% YoY+3.0% QoQ
|
-16.8% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
18.6%
+59.7% YoY+8.6% QoQ
|
+4.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)