BlastPoint's Credit Union Scorecard
MUSKEGON
Charter #7509 · MI
MUSKEGON has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.8% in tier
- + Total Deposits: Top 7.9% in tier
- + Total Assets: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - First Mortgage Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,020
+0.1% YoY-0.2% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 13.6% in tier |
| Assets |
$77.2M
+1.0% YoY-1.9% QoQ
|
+$47.0M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 8.8% in tier |
| Loans |
$31.8M
+9.7% YoY+1.6% QoQ
|
+$16.0M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$68.0M
+0.4% YoY-2.3% QoQ
|
+$42.3M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 7.9% in tier |
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| ROA |
0.4%
-51.4% YoY-16.6% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
2.9%
+15.4% YoY+4.0% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
82.2%
+8.7% YoY+3.7% QoQ
|
-0.3% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.3%
+263.4% YoY+122.4% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
46.7%
+9.2% YoY+4.0% QoQ
|
-13.9% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$19,887
+3.1% YoY-0.9% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
23.7%
-13.1% YoY-8.5% QoQ
|
-0.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 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)