BlastPoint's Credit Union Scorecard
LAKE MICHIGAN
Charter #62514 · MI
LAKE MICHIGAN has 8 strengths but faces 5 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
- + Emerging Performer: Top 25.0% in tier
- + Relationship Depth Leader: Top 25.0% in tier
- + Wallet Share Momentum: Top 25.0% in tier
- + Organic Growth Engine: Top 37.5% in tier
- + Organic Growth Leader: Top 37.5% in tier
- + ROA 0.39% above tier average
- + Strong member growth: 5.5% YoY
- + Fee Income Per Member: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 25.0% in tier
- - Liquidity Strain: Bottom 25.0% in tier
- - Credit Risk Growth: Bottom 29.2% in tier
- - Credit Quality Pressure: Bottom 41.7% in tier
- - Members Per Employee (MPE): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
530,662
+5.5% YoY+1.4% QoQ
|
-1.2M |
1,712,610
-8.0% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$16.9B
+14.3% YoY+5.7% QoQ
|
$-11.3B |
$28.2B
-3.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$13.4B
+8.9% YoY+1.3% QoQ
|
$-6.8B |
$20.2B
-4.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$14.4B
+14.9% YoY+6.2% QoQ
|
$-9.7B |
$24.1B
-2.9% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
1.3%
-10.2% YoY-3.9% QoQ
|
+0.4% |
0.9%
+31.5% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
2.5%
-4.5% YoY-3.6% QoQ
|
-0.7% |
3.2%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
59.4%
+4.0% YoY+2.1% QoQ
|
-4.5% |
63.9%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
0.4%
+29.1% YoY-10.0% QoQ
|
-0.5 |
0.9%
-6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
92.9%
-5.2% YoY-4.6% QoQ
|
+6.9% |
86.0%
-3.3% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$52,342
+6.1% YoY+2.4% QoQ
|
+$20K |
$32,099
+9.5% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 8.3% in tier |
| CD Concentration |
28.8%
+30.5% YoY+7.1% QoQ
|
-1.4% | 30.2% | 18.6% | 19.8% | 38% |
| Indirect Auto % |
5.8%
+2.7% YoY-0.7% QoQ
|
-9.2% | 14.9% | 11.7% | 7.7% | 21% |
Signature Analysis
Strengths (5)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)