BlastPoint's Credit Union Scorecard
THORNAPPLE
Charter #62196 · MI
THORNAPPLE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Net Interest Margin 1.07% above tier average
- + Total Loans: Top 2.2% in tier
- + Total Members: Top 3.0% in tier
- + Fee Income Per Member: Top 5.3% in tier
- + Total Deposits: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,421
+2.6% YoY+0.9% QoQ
|
+5.8K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 3.0% in tier |
| Assets |
$74.5M
+2.8% YoY+2.0% QoQ
|
+$44.3M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 10.2% in tier |
| Loans |
$59.4M
+4.5% YoY+0.4% QoQ
|
+$43.7M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 2.3% in tier |
| Deposits |
$66.3M
+2.0% YoY+2.2% QoQ
|
+$40.6M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 8.6% in tier |
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| ROA |
1.3%
+3.7% YoY+1.5% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
5.0%
+6.0% YoY+0.7% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
81.2%
+3.7% YoY-1.5% QoQ
|
-1.3% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.7%
-22.7% YoY+2.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
89.6%
+2.4% YoY-1.7% QoQ
|
+29.0% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Top 10.3% in tier |
| AMR |
$14,933
+0.6% YoY+0.5% QoQ
|
+$150 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
16.9%
+3.2% YoY+14.3% QoQ
|
-7.5% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
24.3%
+2.7% YoY-0.8% QoQ
|
+10.5% | 13.8% | 11.8% | 7.8% | 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)