BlastPoint's Credit Union Scorecard
ST. FRANCIS X
Charter #7219 · MI
ST. FRANCIS X has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 15.9% in tier
- + Organic Growth Engine: Top 19.1% in tier
- + Organic Growth Leader: Top 24.8% in tier
- + Relationship Depth Leader: Top 46.5% in tier
- + Wallet Share Momentum: Top 89.2% in tier
- + ROA 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.1% in tier
- + Total Delinquency Rate (60+ days): Top 4.5% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,951
+1.3% YoY+0.5% QoQ
|
-5.7K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$259.8M
+8.4% YoY+3.8% QoQ
|
+$28.5M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$142.4M
+4.6% YoY+3.0% QoQ
|
$-5.4M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$224.1M
+8.4% YoY+4.0% QoQ
|
+$23.9M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
1.0%
+26.6% YoY+6.0% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
2.8%
+13.8% YoY+0.2% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio |
70.3%
-5.4% YoY-1.3% QoQ
|
-7.0% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.1%
-57.4% YoY+401.9% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 4.5% in tier |
| Loan To Share |
63.5%
-3.5% YoY-1.0% QoQ
|
-9.2% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$36,832
+5.5% YoY+3.1% QoQ
|
+$12K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 7.3% in tier |
| CD Concentration |
41.7%
+3.2% YoY+2.2% QoQ
|
+17.3% |
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 (5)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)