BlastPoint's Credit Union Scorecard
GERBER
Charter #6832 · MI
GERBER has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.5% in tier
- + ROA 0.16% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 16.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,119
+0.7% YoY+0.6% QoQ
|
+490 |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$248.8M
+5.8% YoY+0.8% QoQ
|
+$17.5M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$139.5M
-0.3% YoY+0.4% QoQ
|
$-8.3M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$222.7M
+4.2% YoY-0.4% QoQ
|
+$22.4M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
1.0%
+129.6% YoY+36.2% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.1%
+11.3% YoY+2.4% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
74.4%
-12.2% YoY-4.6% QoQ
|
-2.9% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.6%
-22.6% YoY-18.5% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
62.6%
-4.3% YoY+0.8% QoQ
|
-10.1% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$22,465
+1.7% YoY-0.7% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
26.9%
+2.9% YoY+5.7% QoQ
|
+2.5% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.6%
-5.4% YoY-0.6% QoQ
|
+9.6% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)