BlastPoint's Credit Union Scorecard
CONSUMERS
Charter #62172 · MI
CONSUMERS has 8 strengths but faces 4 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
- + Wallet Share Momentum: Top 12.1% in tier
- + ROA 0.22% above tier average
- + Total Loans: Top 0.1% in tier
- + Total Assets: Top 2.0% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Deposit Growth Rate: Top 6.5% in tier
- + Total Deposits: Top 6.9% in tier
- + Loan-to-Share Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.8% in tier
- - Liquidity Strain: Bottom 9.1% in tier
- - Credit Risk Growth: Bottom 22.6% in tier
- - Credit Quality Pressure: Bottom 32.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
153,309
+4.8% YoY+0.7% QoQ
|
+57.3K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 10.1% in tier |
| Assets |
$2.9B
+15.2% YoY+6.4% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Top 2.3% in tier |
| Loans |
$2.4B
+10.4% YoY+0.8% QoQ
|
+$1.2B |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 0.3% in tier |
| Deposits |
$2.4B
+17.1% YoY+7.5% QoQ
|
+$886.8M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Top 7.2% in tier |
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| ROA |
0.9%
+15.1% YoY-14.1% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
2.9%
-0.2% YoY-3.4% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
74.2%
-2.9% YoY+1.6% QoQ
|
-0.4% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
0.2%
+93.9% YoY-47.1% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 9.2% in tier |
| Loan To Share |
100.7%
-5.7% YoY-6.2% QoQ
|
+17.5% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Top 7.8% in tier |
| AMR |
$30,788
+8.5% YoY+3.4% QoQ
|
+$1K |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
63% |
| CD Concentration |
37.6%
+14.9% YoY-0.2% QoQ
|
+8.8% | 28.8% | 18.6% | 19.8% | 84% |
| Indirect Auto % |
35.6%
-3.3% YoY-0.3% QoQ
|
+17.5% | 18.1% | 11.7% | 7.7% | 85% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)