BlastPoint's Credit Union Scorecard
I.M. DETROIT DISTRICT
Charter #62167 · MI
<100M
2508 CUs in <100M nationally
56 in MI
I.M. DETROIT DISTRICT has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.84% above tier average
- + Strong member growth: 16.0% YoY
- + Loan Growth Rate: Top 0.1% in tier
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 0.6% in tier
- + Fee Income Per Member: Top 0.6% in tier
- + Member Growth Rate: Top 2.2% in tier
- + Average Member Relationship (AMR): Top 6.9% 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
- - Net Interest Margin (NIM): Bottom 1.6% in tier
- - Total Loans: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 3.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 4.1% in tier
- - Total Deposits: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58
+16.0% YoY-10.8% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 0.4% in tier |
| Assets |
$2.0M
+0.8% YoY+14.3% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.4% in tier |
| Loans |
$32,313
+1704.2% YoY-5.5% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.7% in tier |
| Deposits |
$1.5M
-2.3% YoY+19.3% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.0%
+2.2% YoY-37.6% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 6.7% in tier |
| NIM |
1.3%
-35.7% YoY-38.5% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
24.6%
-44.3% YoY+117.1% QoQ
|
-66.1% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 0.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
2.2%
+1746.3% YoY-20.8% QoQ
|
-56.3% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.6% in tier |
| AMR |
$26,166
-14.0% YoY+32.9% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 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
Loan Growth Rate
growth
Value:
1704.19%
Peer Median: -2.36%
#1 of 2508
Top 0.1% in <100M tier
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
15
Efficiency Ratio
profitability
Value:
24.55%
Peer Median: 81.45%
#15 of 2508
Top 0.6% in <100M tier
16
Fee Income Per Member
profitability
Value:
$460.41
Peer Median: $60.42
#16 of 2508
Top 0.6% in <100M tier
56
Member Growth Rate
growth
Value:
16.00%
Peer Median: -1.37%
#56 of 2508
Top 2.2% in <100M tier
168
Return on Assets (ROA)
profitability
Value:
1.99%
Peer Median: 0.61%
#168 of 2508
Top 6.7% in <100M tier
175
Average Member Relationship (AMR)
engagement
Value:
$26,166
Peer Median: $13,926
#175 of 2508
Top 6.9% in <100M tier
Top Weaknesses (9 metrics)
2497
Total Members
engagement
Value:
58
Peer Median: 1,918
#2497 of 2508
Bottom 0.5% in <100M tier
2490
Loan-to-Share Ratio
balance_sheet
Value:
2.18%
Peer Median: 58.72%
#2490 of 2508
Bottom 0.8% in <100M tier
2468
Net Interest Margin (NIM)
profitability
Value:
1.33%
Peer Median: 3.83%
#2468 of 2508
Bottom 1.6% in <100M tier
2466
Total Loans
balance_sheet
Value:
$32,313
Peer Median: $9.48M
#2466 of 2508
Bottom 1.7% in <100M tier
2414
AMR Growth Rate
growth
Value:
-14.03%
Peer Median: 1.27%
#2414 of 2508
Bottom 3.8% in <100M tier
2408
Loan-to-Member Ratio (LMR)
engagement
Value:
$557.12
Peer Median: $4,923
#2408 of 2508
Bottom 4.0% in <100M tier
2406
Members Per Employee (MPE)
engagement
Value:
58.000
Peer Median: 333.750
#2406 of 2508
Bottom 4.1% in <100M tier
2283
Total Deposits
balance_sheet
Value:
$1.49M
Peer Median: $18.77M
#2283 of 2508
Bottom 9.0% in <100M tier
2272
Total Assets
balance_sheet
Value:
$2.01M
Peer Median: $21.86M
#2272 of 2508
Bottom 9.4% in <100M tier