BlastPoint's Credit Union Scorecard
CHRISTIAN FINANCIAL
Charter #63805 · MI
CHRISTIAN FINANCIAL has 9 strengths but faces 4 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.6% in tier
- + Organic Growth Engine: Top 22.4% in tier
- + Wallet Share Momentum: Top 32.0% in tier
- + Emerging Performer: Top 43.4% in tier
- + Strong member growth: 10.7% YoY
- + Asset Growth Rate: Top 3.0% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + Loan Growth Rate: Top 4.6% in tier
- + Member Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 82.0% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 8.75% above tier (higher cost structure)
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,650
+10.7% YoY-0.3% QoQ
|
-35.8K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$1.1B
+21.2% YoY+2.8% QoQ
|
$-631.0M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.6% in tier |
| Loans |
$785.2M
+19.1% YoY+0.8% QoQ
|
$-449.2M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.9% in tier |
| Deposits |
$961.2M
+22.3% YoY+3.6% QoQ
|
$-498.1M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.6% in tier |
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| ROA |
0.6%
-24.2% YoY-3.1% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
2.7%
-0.8% YoY-2.4% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
82.8%
+1.9% YoY-0.7% QoQ
|
+8.7% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 12.9% in tier |
| Delinquency Rate |
0.3%
-2.0% YoY+4.5% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.6% in tier |
| Loan To Share |
81.7%
-2.7% YoY-2.7% QoQ
|
-3.1% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$28,329
+9.2% YoY+2.6% QoQ
|
$-1K |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
31.8%
+5.3% YoY+3.6% QoQ
|
+2.8% | 29.0% | 18.6% | 19.8% | 65% |
| Indirect Auto % |
8.6%
+6.6% YoY-1.6% QoQ
|
-9.7% | 18.3% | 11.8% | 7.8% | 33% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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)