BlastPoint's Credit Union Scorecard
TRAVERSE CATHOLIC
Charter #6844 · MI
TRAVERSE CATHOLIC has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Total Deposits: Top 2.3% in tier
- + Total Assets: Top 4.1% in tier
- + Total Loans: Top 5.5% in tier
- + Total Members: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
- - Indirect Auto Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,763
-3.6% YoY-0.7% QoQ
|
+4.1K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 6.7% in tier |
| Assets |
$88.9M
+1.7% YoY+0.3% QoQ
|
+$59.0M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 4.1% in tier |
| Loans |
$49.7M
+5.7% YoY+2.6% QoQ
|
+$33.9M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 5.6% in tier |
| Deposits |
$80.7M
+0.1% YoY-0.2% QoQ
|
+$55.2M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.3% in tier |
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| ROA |
1.1%
+74.0% YoY+14.6% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
3.5%
+25.9% YoY+3.8% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
71.0%
-12.8% YoY-1.9% QoQ
|
-10.3% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.4%
-57.3% YoY-24.3% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
61.6%
+5.6% YoY+2.8% QoQ
|
+0.3% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$19,272
+6.0% YoY+1.6% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
11.2%
-7.7% YoY+0.0% QoQ
|
-13.2% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.0%
-12.0% YoY-1.7% QoQ
|
+8.1% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)