BlastPoint's Credit Union Scorecard
HONOR
Charter #63004 · MI
HONOR has 2 strengths but faces 4 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.93% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 31.9% in tier
- - Efficiency ratio 4.66% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Members Per Employee (MPE): Bottom 2.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
107,343
-0.1% YoY+0.1% QoQ
|
+8.7K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$1.8B
+4.5% YoY-0.2% QoQ
|
+$67.0M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$1.4B
+4.9% YoY+2.2% QoQ
|
+$145.2M |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$1.5B
+3.9% YoY-0.7% QoQ
|
+$75.9M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.8%
-8.7% YoY-2.1% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
4.2%
+5.3% YoY+2.3% QoQ
|
+0.9% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
78.6%
+2.1% YoY+0.2% QoQ
|
+4.7% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.9%
-19.8% YoY+5.1% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
90.1%
+1.0% YoY+3.0% QoQ
|
+4.9% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$27,095
+4.5% YoY+0.6% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
21.0%
-8.3% YoY-3.0% QoQ
|
-7.9% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
16% |
| Indirect Auto % |
13.6%
-17.9% YoY-5.2% QoQ
|
-5.2% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
43% |
Signature Analysis
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)