BlastPoint's Credit Union Scorecard
MICHIGAN LEGACY
Charter #62642 · MI
MICHIGAN LEGACY has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 8.0% in tier
- - Membership Headwinds: Bottom 14.1% in tier
- - Accelerating Exit Risk: Bottom 14.1% in tier
- - Efficiency Drag: Bottom 22.2% in tier
- - Stagnation Risk: Bottom 23.0% in tier
- - Shrinking Wallet Share: Bottom 23.5% in tier
- - Indirect Auto Dependency: Bottom 23.9% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 4.84% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Loan Growth Rate: Bottom 3.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,949
-2.9% YoY-1.1% QoQ
|
+4.3K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$214.4M
+1.7% YoY-2.0% QoQ
|
$-16.9M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$135.8M
-9.9% YoY-2.9% QoQ
|
$-12.0M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$186.5M
+1.6% YoY-2.6% QoQ
|
$-13.8M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
0.6%
-23.6% YoY+241.4% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
3.8%
+3.8% YoY+1.8% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
82.1%
-2.8% YoY-5.5% QoQ
|
+4.8% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.7%
-12.5% YoY-25.9% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
51% |
| Loan To Share |
72.8%
-11.3% YoY-0.2% QoQ
|
+0.1% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$16,158
-0.7% YoY-1.6% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.2% in tier |
| CD Concentration |
12.2%
+56.4% YoY+7.6% QoQ
|
-12.2% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
21.8%
-28.1% YoY-10.2% QoQ
|
+7.8% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (7)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)