BlastPoint's Credit Union Scorecard
SOUTHEAST MICHIGAN STATE EMPLOYEES
Charter #7628 · MI
SOUTHEAST MICHIGAN STATE EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.33% above tier average
- - Member decline: -6.7% YoY
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,222
-6.7% YoY-2.0% QoQ
|
+606 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$51.1M
+3.0% YoY+0.6% QoQ
|
+$21.0M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$8.2M
-2.1% YoY-2.2% QoQ
|
$-7.5M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$45.4M
+1.2% YoY+0.7% QoQ
|
+$19.7M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
1.3%
+85.3% YoY-3.2% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
4.2%
+2.5% YoY+1.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
66.8%
-5.9% YoY+5.2% QoQ
|
-15.8% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
3.9%
+11.3% YoY+146.1% QoQ
|
+2.3 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Top 9.1% in tier |
| Loan To Share |
18.1%
-3.2% YoY-2.9% QoQ
|
-42.5% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.8% in tier |
| AMR |
$16,651
+7.9% YoY+2.3% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
5.5%
+20.8% YoY+0.8% QoQ
|
-18.9% | 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)