BlastPoint's Credit Union Scorecard
WALLED LAKE SCHOOLS
Charter #6613 · MI
WALLED LAKE SCHOOLS has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 13.3% in tier
- - Institutional Decline: Bottom 18.8% in tier
- - Stagnation Risk: Bottom 19.2% in tier
- - Credit Quality Pressure: Bottom 21.2% in tier
- - ROA 0.63% below tier average
- - Delinquency rate 0.11% above tier average
- - Member decline: -3.1% YoY
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Fee Income Per Member: Bottom 0.5% in tier
- - Total Loans: Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Total Members: Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,063
-3.1% YoY-0.5% QoQ
|
-10.6K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 3.2% in tier |
| Assets |
$134.7M
+0.2% YoY-1.0% QoQ
|
$-96.6M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$31.6M
-5.2% YoY-2.7% QoQ
|
$-116.1M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.0% in tier |
| Deposits |
$116.0M
-1.6% YoY-2.1% QoQ
|
$-84.3M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
0.2%
-85.0% YoY-79.8% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.8% in tier |
| NIM |
0.4%
-85.6% YoY-87.1% QoQ
|
-3.2% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
61.1%
-11.3% YoY-20.2% QoQ
|
-16.2% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
1.0%
+8.8% YoY+115.8% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
27.3%
-3.7% YoY-0.6% QoQ
|
-45.4% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.2% in tier |
| AMR |
$29,165
+0.7% YoY-1.8% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
13.1%
+10.5% YoY+8.3% QoQ
|
-11.3% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)