BlastPoint's Credit Union Scorecard
CHIROPRACTIC
Charter #6871 · MI
CHIROPRACTIC has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 0.66% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Net Interest Margin (NIM): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,617
-4.7% YoY-0.6% QoQ
|
-8 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$41.3M
+2.3% YoY-0.1% QoQ
|
+$11.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$18.0M
-1.2% YoY+1.2% QoQ
|
+$2.3M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$35.5M
+1.8% YoY-0.5% QoQ
|
+$10.0M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.5%
-21.5% YoY+28.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
2.6%
-5.1% YoY+2.6% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
82.1%
+5.5% YoY-2.6% QoQ
|
+0.7% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.2%
-82.3% YoY-86.9% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
50.9%
-2.9% YoY+1.7% QoQ
|
-10.4% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$20,442
+5.8% YoY+0.7% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
28.0%
+44.2% YoY+11.6% QoQ
|
+3.6% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)