I.M. DETROIT DISTRICT
Charter #62167 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
I.M. DETROIT DISTRICT has 12 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.94% above tier average
- + Strong member growth: 17.8% 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
- + Efficiency Ratio: Top 0.6% in tier
- + Fee Income Per Member: Top 0.7% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Average Member Relationship (AMR): Top 6.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Total Loans: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 2.0% in tier
- - Net Interest Margin (NIM): Bottom 3.2% in tier
- - Total Deposits: Bottom 8.9% in tier
- - Total Assets: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53
+17.8% YoY+3.9% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 0.3% in tier |
| Assets |
$1.9M
-1.6% YoY-11.5% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.4% in tier |
| Loans |
$541.0
-81.4% YoY-53.8% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.6% in tier |
| Deposits |
$1.4M
-6.1% YoY-15.7% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.9% in tier |
| ROA |
2.6%
-10.2% YoY+1.1% QoQ
|
+1.9% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 3.3% in tier |
| NIM |
1.9%
-22.1% YoY+0.4% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
19.2%
-17.7% YoY+7.4% QoQ
|
-62.2% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
0.0%
-80.2% YoY-45.2% QoQ
|
-61.2% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.3% in tier |
| AMR |
$26,489
-20.4% YoY-18.9% QoQ
|
+$12K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 6.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
16
Efficiency Ratio
profitability
Value:
19.24%
Peer Avg: 81.39%
#16 of 2596
Top 0.6% in <100M tier
19
Fee Income Per Member
profitability
Value:
$511.57
Peer Avg: $182.96
#19 of 2596
Top 0.7% in <100M tier
53
Member Growth Rate
growth
Value:
17.78%
Peer Avg: 14.92%
#53 of 2596
Top 2.0% in <100M tier
85
Return on Assets (ROA)
profitability
Value:
2.62%
Peer Avg: 0.68%
#85 of 2596
Top 3.2% in <100M tier
170
Average Member Relationship (AMR)
engagement
Value:
$26,489
Peer Avg: $14,627
#170 of 2596
Top 6.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (11 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2586
Total Members
engagement
Value:
53
Peer Avg: 2,626
#2586 of 2596
Bottom 0.4% in <100M tier
2583
Loan-to-Share Ratio
balance_sheet
Value:
0.04%
Peer Avg: 61.23%
#2583 of 2596
Bottom 0.5% in <100M tier
2581
Total Loans
balance_sheet
Value:
$541.00
Peer Avg: $15.77M
#2581 of 2596
Bottom 0.6% in <100M tier
2580
Loan-to-Member Ratio (LMR)
engagement
Value:
$10.21
Peer Avg: $5,488
#2580 of 2596
Bottom 0.7% in <100M tier
2572
Loan Growth Rate
growth
Value:
-81.44%
Peer Avg: 59.01%
#2572 of 2596
Bottom 1.0% in <100M tier
2544
AMR Growth Rate
growth
Value:
-20.42%
Peer Avg: 4.67%
#2544 of 2596
Bottom 2.0% in <100M tier
2515
Net Interest Margin (NIM)
profitability
Value:
1.90%
Peer Avg: 3.93%
#2515 of 2596
Bottom 3.2% in <100M tier
2365
Total Deposits
balance_sheet
Value:
$1.40M
Peer Avg: $25.45M
#2365 of 2596
Bottom 8.9% in <100M tier
2352
Total Assets
balance_sheet
Value:
$1.91M
Peer Avg: $29.86M
#2352 of 2596
Bottom 9.4% in <100M tier