BlastPoint's Credit Union Scorecard
CHRISTIAN FINANCIAL
Charter #63805 · MI
CHRISTIAN FINANCIAL has 8 strengths but faces 3 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.6% in tier
- + Organic Growth Engine: Top 6.6% in tier
- + Wallet Share Momentum: Top 13.9% in tier
- + Emerging Performer: Top 59.5% in tier
- + Strong member growth: 11.0% YoY
- + Asset Growth Rate: Top 3.9% in tier
- + Loan Growth Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.3% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 9.60% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,556
+11.0% YoY-0.2% QoQ
|
-34.5K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$1.1B
+20.5% YoY+2.0% QoQ
|
$-606.1M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.4% in tier |
| Loans |
$794.0M
+17.7% YoY+1.1% QoQ
|
$-419.7M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$981.0M
+21.5% YoY+2.1% QoQ
|
$-484.5M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.4% in tier |
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| ROA |
0.6%
+11.8% YoY-1.1% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
3.0%
+10.2% YoY+10.1% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
23% |
| Efficiency Ratio |
84.2%
-2.3% YoY+1.7% QoQ
|
+9.6% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
0.2%
-32.6% YoY-27.1% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 9.8% in tier |
| Loan To Share |
80.9%
-3.1% YoY-0.9% QoQ
|
-2.2% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$28,836
+7.9% YoY+1.8% QoQ
|
$-816 |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
31.1%
+0.5% YoY-2.5% QoQ
|
+2.2% | 28.8% | 18.6% | 19.8% | 61% |
| Indirect Auto % |
8.4%
+0.7% YoY-2.8% QoQ
|
-9.7% | 18.1% | 11.7% | 7.7% | 34% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)