BlastPoint's Credit Union Scorecard
AUTO-OWNERS ASSOCIATES
Charter #62543 · MI
AUTO-OWNERS ASSOCIATES has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Efficiency Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 5.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +5.1% year over year ($35.4M in shares and deposits).
- Membership: 2,537 members, -1.8% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 1.73%.
- Efficiency ratio 53.12% vs a 88.77% peer average.
- Loan-to-share ratio 19.60% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,537
-1.8% YoY-0.4% QoQ
|
-48 |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$43.8M
+5.2% YoY+0.9% QoQ
|
+$13.5M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$6.9M
-7.6% YoY-0.4% QoQ
|
$-8.5M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$35.4M
+5.1% YoY+0.2% QoQ
|
+$9.6M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
1.7%
-20.0% YoY-7.6% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 14.3% in tier |
| NIM |
3.4%
+0.4% YoY+0.5% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
53.1%
+18.4% YoY+7.8% QoQ
|
-35.6% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
0.3%
+284.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
19.6%
-12.1% YoY-0.6% QoQ
|
-39.3% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.0% in tier |
| AMR |
$16,691
+4.7% YoY+0.5% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
13.8%
+4.0% YoY+1.1% QoQ
|
-10.8% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 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)