BlastPoint's Credit Union Scorecard
GENISYS
Charter #68536 · MI
GENISYS has 11 strengths but faces 3 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 0.7% in tier
- + Organic Growth Leader: Top 3.6% in tier
- + Emerging Performer: Top 10.0% in tier
- + Wallet Share Momentum: Top 11.8% in tier
- + Profitability Leader: Top 26.7% in tier
- + ROA 0.93% above tier average
- + Net Interest Margin 0.24% 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
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.7% in tier
- - Liquidity Overhang: Bottom 100.0% in tier
- - Delinquency rate 0.40% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
294,382
+5.0% YoY-0.0% QoQ
|
+4.7K |
289,724
-2.8% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$5.8B
+10.1% YoY+2.4% QoQ
|
+$9.9M |
$5.8B
+0.2% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$4.6B
+23.6% YoY+6.3% QoQ
|
+$517.1M |
$4.1B
-3.1% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$4.8B
+12.2% YoY+2.1% QoQ
|
$-100.6M |
$4.9B
+2.2% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
1.7%
+0.6% YoY+3.4% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 5.9% in tier |
| NIM |
3.1%
+16.9% YoY+1.9% QoQ
|
+0.2% |
2.9%
+3.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
41.0%
-1.4% YoY-1.1% QoQ
|
-27.1% |
68.1%
-1.7% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
1.0%
-4.0% YoY-6.4% QoQ
|
+0.4 |
0.6%
-2.2% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 11.8% in tier |
| Loan To Share |
96.1%
+10.1% YoY+4.1% QoQ
|
+12.4% |
83.6%
-5.7% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$31,888
+11.9% YoY+4.2% QoQ
|
$-3K |
$34,398
+4.0% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
40.0%
+6.8% YoY+3.0% QoQ
|
+11.2% |
28.9%
-1.3% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
Top 14.1% in tier |
| Indirect Auto % |
11.2%
-10.0% YoY-6.2% QoQ
|
-5.4% |
16.6%
-10.3% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
39% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)