BlastPoint's Credit Union Scorecard
CHIROPRACTIC
Charter #6871 · MI
CHIROPRACTIC demonstrates 1 strength
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,594
-1.5% YoY-1.5% QoQ
|
-82 |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$40.8M
+1.0% YoY-0.6% QoQ
|
+$10.6M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$17.5M
-1.6% YoY-4.3% QoQ
|
+$2.2M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$34.9M
-0.4% YoY-0.0% QoQ
|
+$9.1M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.8%
+419.7% YoY+34.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
3.0%
+16.3% YoY+10.2% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
79.3%
-9.3% YoY-0.4% QoQ
|
-11.3% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.8%
+11.2% YoY+51.3% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
50.1%
-1.2% YoY-4.3% QoQ
|
-8.4% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$20,175
+0.7% YoY-0.0% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
26.6%
+8.8% YoY+6.3% QoQ
|
+2.4% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 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)