BlastPoint's Credit Union Scorecard
PFCU
Charter #68690 · MI
PFCU has 3 strengths but faces 2 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 69.0% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.64% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 64.2% in tier
- - Efficiency ratio 2.66% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,035
+2.2% YoY+0.4% QoQ
|
+5.0K |
52,084
-1.6% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$834.9M
+2.2% YoY+1.8% QoQ
|
$-29.0M |
$863.9M
+0.5% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$553.0M
+10.0% YoY+2.1% QoQ
|
$-52.8M |
$605.8M
+1.4% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$737.6M
+0.8% YoY+1.4% QoQ
|
+$298K |
$737.3M
+0.1% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.9%
+37.6% YoY+14.6% QoQ
|
+0.2% |
0.7%
+39.1% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
4.0%
+14.9% YoY+1.6% QoQ
|
+0.6% |
3.4%
+8.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
77.0%
-4.6% YoY-2.2% QoQ
|
+2.7% |
74.3%
-3.6% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.6%
-0.6% YoY+12.7% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
75.0%
+9.2% YoY+0.6% QoQ
|
-7.6% |
82.6%
+1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$22,628
+2.3% YoY+1.3% QoQ
|
$-6K |
$28,873
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
16.2%
-16.0% YoY-2.5% QoQ
|
-8.2% | 24.4% | 18.6% | 19.8% | 22% |
| Indirect Auto % |
35.2%
+7.7% YoY+1.6% QoQ
|
+21.4% | 13.8% | 11.8% | 7.8% | Top 11.8% in tier |
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)