BlastPoint's Credit Union Scorecard
MARSHALL COMMUNITY
Charter #62160 · MI
MARSHALL COMMUNITY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.5% in tier
- + Organic Growth Leader: Top 41.9% in tier
- + Relationship Depth Leader: Top 94.0% in tier
- + ROA 0.66% above tier average
- + Net Interest Margin 0.48% above tier average
- + Fee Income Per Member: Top 3.3% in tier
- + Net Worth Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 88.8% in tier
- - Delinquency rate 0.81% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,296
+3.0% YoY+0.4% QoQ
|
+858 |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$361.5M
+9.3% YoY+2.9% QoQ
|
+$129.6M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$240.8M
+0.5% YoY+0.3% QoQ
|
+$93.5M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$298.5M
+8.3% YoY+2.6% QoQ
|
+$97.7M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
1.4%
+6.4% YoY-13.2% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 12.5% in tier |
| NIM |
4.1%
+7.9% YoY-0.3% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
68.6%
-2.3% YoY+4.7% QoQ
|
-8.4% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
1.7%
-2.5% YoY+0.8% QoQ
|
+0.8 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 10.2% in tier |
| Loan To Share |
80.7%
-7.2% YoY-2.2% QoQ
|
+8.4% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$33,095
+1.6% YoY+1.1% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 11.8% in tier |
| CD Concentration |
25.2%
+1.9% YoY-0.4% QoQ
|
+0.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
3.9%
-7.6% YoY-4.5% QoQ
|
-9.9% | 13.8% | 11.8% | 7.8% | 50% |
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 (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)