BlastPoint's Credit Union Scorecard
WEXFORD COMMUNITY
Charter #65639 · MI
WEXFORD COMMUNITY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + Total Members: Top 3.4% in tier
- + Total Deposits: Top 4.4% in tier
- + Total Assets: Top 6.3% in tier
- + Total Loans: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 15.47% above tier (higher cost structure)
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,124
-3.0% YoY+0.2% QoQ
|
+5.5K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 3.4% in tier |
| Assets |
$83.6M
-0.7% YoY+2.4% QoQ
|
+$53.4M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 6.4% in tier |
| Loans |
$41.5M
-3.6% YoY-1.4% QoQ
|
+$25.8M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 9.4% in tier |
| Deposits |
$76.4M
-1.2% YoY+3.3% QoQ
|
+$50.8M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 4.5% in tier |
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| ROA |
-0.2%
-192.6% YoY-18.9% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.0% in tier |
| NIM |
4.0%
+3.5% YoY+2.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
98.0%
+8.9% YoY+0.0% QoQ
|
+15.5% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 13.4% in tier |
| Delinquency Rate |
0.4%
-46.4% YoY-7.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
54.3%
-2.4% YoY-4.5% QoQ
|
-6.3% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$14,524
+0.9% YoY+1.4% QoQ
|
$-258 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
11.8%
+1.9% YoY+39.5% QoQ
|
-12.6% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
1.4%
-41.9% YoY-13.1% QoQ
|
-12.4% | 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)