BlastPoint's Credit Union Scorecard
GENISYS
Charter #68536 · MI
GENISYS has 11 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.4% in tier
- + Wallet Share Momentum: Top 15.8% in tier
- + Organic Growth Leader: Top 25.0% in tier
- + Emerging Performer: Top 26.3% in tier
- + ROA 0.82% above tier average
- + Net Interest Margin 0.04% above tier average
- + Loan Growth Rate: Top 0.0% in tier
- + Net Worth Ratio: Top 0.0% in tier
- + Efficiency Ratio: Top 2.9% in tier
- + AMR Growth Rate: Top 2.9% in tier
- + Asset Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16.7% in tier
- - Credit Quality Pressure: Bottom 36.1% in tier
- - Liquidity Strain: Bottom 56.2% in tier
- - Delinquency rate 0.37% above tier average
- - Share Certificate Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
295,577
+4.3% YoY+0.4% QoQ
|
+3.2K |
292,342
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$6.2B
+17.1% YoY+7.0% QoQ
|
+$468.4M |
$5.7B
-0.2% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$4.8B
+23.2% YoY+4.0% QoQ
|
+$619.2M |
$4.2B
-1.6% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$5.2B
+17.5% YoY+7.9% QoQ
|
+$320.7M |
$4.8B
+0.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
1.6%
+0.6% YoY-5.4% QoQ
|
+0.8% |
0.8%
+27.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 8.6% in tier |
| NIM |
3.1%
+12.2% YoY-2.2% QoQ
|
+0.0% |
3.0%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
41.9%
-2.2% YoY+2.2% QoQ
|
-25.4% |
67.3%
-3.7% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
1.1%
+10.3% YoY+11.7% QoQ
|
+0.4 |
0.8%
+17.5% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 14.3% in tier |
| Loan To Share |
92.6%
+4.8% YoY-3.6% QoQ
|
+6.7% |
85.9%
-2.6% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$33,672
+15.2% YoY+5.6% QoQ
|
$-617 |
$34,289
+3.5% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
42.5%
+16.0% YoY+6.1% QoQ
|
+13.3% | 29.1% | 18.6% | 19.8% | Top 10.4% in tier |
| Indirect Auto % |
10.7%
-12.5% YoY-3.8% QoQ
|
-6.3% | 17.1% | 11.8% | 7.8% | 34% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)