BlastPoint's Credit Union Scorecard
CONSUMERS
Charter #62172 · MI
CONSUMERS has 7 strengths but faces 2 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.2% in tier
- + Credit Quality Leader: Top 64.9% in tier
- + Profitability Leader: Top 77.7% in tier
- + ROA 0.40% above tier average
- + Strong member growth: 5.7% YoY
- + Total Loans: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.0% in tier
- - Indirect Auto Dependency: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151,033
+5.7% YoY+1.5% QoQ
|
+52.4K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 12.5% in tier |
| Assets |
$2.6B
+8.3% YoY+1.7% QoQ
|
+$863.6M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 10.9% in tier |
| Loans |
$2.3B
+10.1% YoY+3.3% QoQ
|
+$1.1B |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 1.6% in tier |
| Deposits |
$2.1B
+9.2% YoY+2.3% QoQ
|
+$641.7M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
1.1%
+19.6% YoY+5.8% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
3.1%
+11.1% YoY+1.4% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
72.6%
-5.1% YoY+0.1% QoQ
|
-1.4% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.3%
-13.4% YoY+16.9% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
109.8%
+0.8% YoY+1.0% QoQ
|
+24.6% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$29,121
+3.8% YoY+1.3% QoQ
|
$-51 |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
35.5%
+5.2% YoY+5.4% QoQ
|
+6.6% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
79% |
| Indirect Auto % |
36.5%
-0.2% YoY-0.5% QoQ
|
+17.7% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
Top 15.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)