BlastPoint's Credit Union Scorecard
LAKE MICHIGAN
Charter #62514 · MI
LAKE MICHIGAN has 10 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.5% in tier
- + Organic Growth Leader: Top 45.5% in tier
- + Emerging Performer: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.60% above tier average
- + Fee Income Per Member: Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.3% in tier
- - Credit Risk Growth: Bottom 38.5% in tier
- - Credit Quality Pressure: Bottom 53.3% in tier
- - Members Per Employee (MPE): 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 |
523,449
+4.9% YoY+1.2% QoQ
|
-1.3M |
1,831,295
-0.2% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 14.3% in tier |
| Assets |
$16.0B
+9.8% YoY+4.9% QoQ
|
$-13.2B |
$29.1B
+3.6% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$13.2B
+9.4% YoY+0.9% QoQ
|
$-8.2B |
$21.4B
+2.0% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$13.6B
+9.8% YoY+5.4% QoQ
|
$-11.3B |
$24.9B
+4.3% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.3%
+29.4% YoY-3.6% QoQ
|
+0.6% |
0.7%
+30.7% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 14.3% in tier |
| NIM |
2.6%
+18.7% YoY-2.8% QoQ
|
-0.5% |
3.1%
+7.9% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
58.2%
-7.2% YoY+0.6% QoQ
|
-6.4% |
64.6%
-4.0% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.5%
+40.4% YoY+39.2% QoQ
|
-0.7 |
1.2%
+0.3% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
97.3%
-0.4% YoY-4.3% QoQ
|
+8.2% |
89.1%
-2.0% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$51,131
+4.5% YoY+1.9% QoQ
|
+$20K |
$31,580
+8.5% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 9.5% in tier |
| CD Concentration |
26.9%
+4.9% YoY-0.2% QoQ
|
-4.5% | 31.4% | 18.6% | 19.8% | 24% |
| Indirect Auto % |
5.8%
+0.9% YoY+1.3% QoQ
|
-8.3% | 14.1% | 11.8% | 7.8% | 29% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)