BlastPoint's Credit Union Scorecard
I.M. DETROIT DISTRICT
Charter #62167 · MI
I.M. DETROIT DISTRICT has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Strong member growth: 27.5% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Efficiency Ratio: Top 0.2% in tier
- + Fee Income Per Member: Top 0.8% in tier
- + Member Growth Rate: Top 1.4% in tier
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Members: Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Total Loans: Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 2.1% in tier
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits -17.6% year over year ($1.4M in shares and deposits).
- Membership: 65 members, +27.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.28%.
- Efficiency ratio 22.35% vs a 88.77% peer average.
- Loan-to-share ratio 2.22% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65
+27.5% YoY+12.1% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 0.4% in tier |
| Assets |
$1.9M
-11.4% YoY-5.0% QoQ
|
$-28.4M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.8% in tier |
| Loans |
$30,410
+2496.9% YoY-5.9% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.5% in tier |
| Deposits |
$1.4M
-17.6% YoY-7.6% QoQ
|
$-24.4M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.4% in tier |
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| ROA |
2.3%
-12.0% YoY+14.9% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 6.9% in tier |
| NIM |
1.6%
-16.5% YoY+18.9% QoQ
|
-2.3% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
22.3%
+24.8% YoY-9.0% QoQ
|
-66.4% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 0.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
2.2%
+3052.1% YoY+1.9% QoQ
|
-56.7% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.6% in tier |
| AMR |
$21,578
-34.0% YoY-17.5% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)