BlastPoint's Credit Union Scorecard
SOUTHEAST MICHIGAN STATE EMPLOYEES
Charter #7628 · MI
SOUTHEAST MICHIGAN STATE EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Delinquency rate 0.59% above tier average
- - Member decline: -8.1% YoY
- - Loan-to-Share Ratio: Bottom 4.4% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
- - Member Growth Rate: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +0.2% year over year ($45.8M in shares and deposits).
- Membership: 3,042 members, -8.1% vs a year ago.
- Delinquency rate 2.14%.
- Return on assets 1.09%.
- Efficiency ratio 75.45% vs a 88.77% peer average.
- Loan-to-share ratio 18.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,042
-8.1% YoY-2.6% QoQ
|
+456 |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$51.5M
+0.8% YoY-0.1% QoQ
|
+$21.2M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$8.3M
+4.2% YoY+0.4% QoQ
|
$-7.2M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$45.8M
+0.2% YoY-0.3% QoQ
|
+$20.0M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
1.1%
-24.7% YoY-7.7% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
4.0%
-0.3% YoY-3.3% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
75.5%
+30.2% YoY-1.3% QoQ
|
-13.3% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
2.1%
+41.0% YoY+16.6% QoQ
|
+0.6 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
18.0%
+4.0% YoY+0.6% QoQ
|
-40.9% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.3% in tier |
| AMR |
$17,786
+9.8% YoY+2.5% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
6.4%
+45.6% YoY+0.3% QoQ
|
-18.1% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)