BlastPoint's Credit Union Scorecard
ST. FRANCIS X
Charter #7219 · MI
ST. FRANCIS X has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 40.8% in tier
- + Organic Growth Engine: Top 43.1% in tier
- + Organic Growth Leader: Top 78.1% in tier
- + Wallet Share Momentum: Top 81.5% in tier
- + ROA 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.1% in tier
- + Total Delinquency Rate (60+ days): Top 7.0% in tier
- + Average Member Relationship (AMR): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 53.4% in tier
- - Credit Quality Pressure: Bottom 66.0% in tier
- - First Mortgage Concentration (%): Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,991
+1.3% YoY+0.4% QoQ
|
-5.4K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$259.3M
+7.6% YoY-0.2% QoQ
|
+$27.4M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$145.7M
+7.5% YoY+2.3% QoQ
|
$-1.7M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$223.7M
+7.3% YoY-0.2% QoQ
|
+$22.9M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
64% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+28.3% YoY+4.7% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
2.9%
+13.3% YoY+0.9% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
68.9%
-6.6% YoY-1.9% QoQ
|
-8.1% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.1%
+631.3% YoY+45.4% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.0% in tier |
| Loan To Share |
65.1%
+0.3% YoY+2.5% QoQ
|
-7.1% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$36,973
+6.0% YoY+0.4% QoQ
|
+$12K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 7.6% in tier |
| CD Concentration |
42.3%
+3.3% YoY+1.4% QoQ
|
+17.9% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)