BlastPoint's Credit Union Scorecard
I.M. DETROIT DISTRICT
Charter #62167 · MI
2556 CUs in <100M nationally
59 in MI
I.M. DETROIT DISTRICT has 12 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.57% above tier average
- + Strong member growth: 41.3% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Efficiency Ratio: Top 0.2% in tier
- + Member Growth Rate: Top 0.6% in tier
- + Fee Income Per Member: Top 0.8% in tier
- + Net Worth Ratio: Top 6.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 0.8% in tier
- - Total Loans: Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Net Interest Margin (NIM): Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 7.3% in tier
- - Total Deposits: Bottom 8.0% in tier
- - Total Assets: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65
+41.3% YoY+22.6% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 0.5% in tier |
| Assets |
$1.8M
-4.4% YoY-7.8% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.7% in tier |
| Loans |
$34,209
+1382.2% YoY+6223.3% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.8% in tier |
| Deposits |
$1.2M
-9.8% YoY-11.3% QoQ
|
$-24.4M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.9% in tier |
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| ROA |
3.2%
-0.3% YoY+21.5% QoQ
|
+2.6% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 1.2% in tier |
| NIM |
2.2%
-21.2% YoY+13.7% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
11.3%
-47.2% YoY-41.2% QoQ
|
-71.2% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
2.7%
+1542.9% YoY+7026.4% QoQ
|
-57.9% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.7% in tier |
| AMR |
$19,684
-34.5% YoY-25.7% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
3
Loan Growth Rate
growth
Value:
1382.19%
Peer Median: -
#3 of 2556
Top 0.1% in <100M tier
6
Efficiency Ratio
profitability
Value:
11.31%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
16
Member Growth Rate
growth
Value:
41.30%
Peer Median: -
#16 of 2556
Top 0.6% in <100M tier
21
Fee Income Per Member
profitability
Value:
$410.77
Peer Median: -
#21 of 2556
Top 0.8% in <100M tier
30
Return on Assets (ROA)
profitability
Value:
3.19%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
168
Net Worth Ratio
risk
Value:
29.20%
Peer Median: -
#168 of 2556
Top 6.5% in <100M tier
Top Weaknesses (11 metrics)
2544
Total Members
engagement
Value:
65
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2537
Loan-to-Share Ratio
balance_sheet
Value:
2.75%
Peer Median: -
#2537 of 2556
Bottom 0.8% in <100M tier
2536
AMR Growth Rate
growth
Value:
-34.51%
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2510
Total Loans
balance_sheet
Value:
$34,209
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2461
Loan-to-Member Ratio (LMR)
engagement
Value:
$526.29
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier
2446
Members Per Employee (MPE)
engagement
Value:
65.000
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2426
Net Interest Margin (NIM)
profitability
Value:
2.16%
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2370
Deposit Growth Rate
growth
Value:
-9.78%
Peer Median: -
#2370 of 2556
Bottom 7.3% in <100M tier
2353
Total Deposits
balance_sheet
Value:
$1.25M
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier
2333
Total Assets
balance_sheet
Value:
$1.76M
Peer Median: -
#2333 of 2556
Bottom 8.8% in <100M tier