BlastPoint's Credit Union Scorecard
LAKE SUPERIOR
Charter #65085 · MI
LAKE SUPERIOR demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.77% above tier average
- + Net Interest Margin 0.81% above tier average
- + Efficiency Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,336
+2.1% YoY+0.2% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$10.7M
+5.3% YoY+0.3% QoQ
|
$-19.5M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$5.6M
+9.9% YoY+4.7% QoQ
|
$-10.2M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$9.2M
+3.2% YoY-0.2% QoQ
|
$-16.5M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
2.4%
-20.3% YoY-6.5% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 3.1% in tier |
| NIM |
4.8%
-4.5% YoY-0.7% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
56.4%
+18.2% YoY+5.5% QoQ
|
-26.1% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
0.7%
+96.8% YoY+75.9% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
60.5%
+6.5% YoY+4.9% QoQ
|
-0.2% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$11,028
+3.4% YoY+1.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
3.1%
-6.4% YoY+0.2% QoQ
|
-21.3% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 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)