BlastPoint's Credit Union Scorecard
WOLVERINE STATE
Charter #62203 · MI
WOLVERINE STATE has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 67.6% in tier
- + Organic Growth Leader: Top 76.5% in tier
- + Organic Growth Engine: Top 78.5% in tier
- + Emerging Performer: Top 96.7% in tier
- + Net Interest Margin 0.00% above tier average
- + Loan Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.5% in tier
- - Credit Quality Pressure: Bottom 3.5% in tier
- - Efficiency Drag: Bottom 58.9% in tier
- - ROA 0.00% below tier average
- - Efficiency ratio 4.11% above tier (higher cost structure)
- - Delinquency rate 0.66% above tier average
- - Members Per Employee (MPE): Bottom 3.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,700
+1.3% YoY+0.2% QoQ
|
-5.7K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$165.6M
+4.7% YoY+1.6% QoQ
|
$-66.2M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$107.9M
+14.5% YoY+2.8% QoQ
|
$-39.5M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$148.0M
+4.0% YoY+2.0% QoQ
|
$-52.8M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.8%
+19.4% YoY-20.1% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.6%
+3.2% YoY+0.2% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
81.1%
-0.3% YoY+2.9% QoQ
|
+4.1% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
1.6%
+348.6% YoY+62.0% QoQ
|
+0.7 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 12.5% in tier |
| Loan To Share |
72.9%
+10.0% YoY+0.8% QoQ
|
+0.7% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$26,382
+6.8% YoY+2.1% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
18.0%
+4.5% YoY+0.7% QoQ
|
-6.5% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
6.7%
+179.9% YoY+42.2% QoQ
|
-7.0% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)