BlastPoint's Credit Union Scorecard

SOUTHEAST MICHIGAN STATE EMPLOYEES

Charter #7628 · MI

<100M

2508 CUs in <100M nationally 56 in MI

SOUTHEAST MICHIGAN STATE EMPLOYEES has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.04% above tier average
+ Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.33% above tier average
- Member decline: -8.5% YoY
- Loan-to-Share Ratio: Bottom 4.2% in tier
- Member Growth Rate: Bottom 7.7% in tier
- Net Charge-Off Rate: Bottom 8.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	3,124 -8.5% YoY-3.0% QoQ	+447	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	69%
Assets	$51.5M +0.8% YoY+0.8% QoQ	+$21.3M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	78%
Loans	$8.2M +1.8% YoY+0.1% QoQ	$-7.0M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	46%
Deposits	$46.0M -0.0% YoY+1.2% QoQ	+$20.2M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	79%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -27.9% YoY-10.3% QoQ	+1.0%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	76%
NIM	4.2% +4.4% YoY-0.3% QoQ	+0.2%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	76.4% +61.0% YoY+14.4% QoQ	-14.2%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	1.8% -45.2% YoY-52.8% QoQ	+0.3	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	79%
Loan To Share	17.9% +1.9% YoY-1.0% QoQ	-40.6%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 4.1% in tier
AMR	$17,347 +9.6% YoY+4.2% QoQ	+$2K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	67%
CD Concentration	6.4% +47.2% YoY+16.6% QoQ	-17.9%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

261

AMR Growth Rate

growth

Value: 9.64%

Peer Median: 1.27%

#261 of 2508 Top 10.4% in <100M tier

357

Fee Income Per Member

profitability

Value: $139.79

Peer Median: $60.42

#357 of 2508 Top 14.2% in <100M tier

524

Total Deposits

balance_sheet

Value: $45.96M

Peer Median: $18.77M

#524 of 2508 Top 20.9% in <100M tier

551

Total Assets

balance_sheet

Value: $51.53M

Peer Median: $21.86M

#551 of 2508 Top 21.9% in <100M tier

612

Return on Assets (ROA)

profitability

Value: 1.18%

Peer Median: 0.61%

#612 of 2508 Top 24.4% in <100M tier

Top Weaknesses (5 metrics)

2403

Loan-to-Share Ratio

balance_sheet

Value: 17.91%

Peer Median: 58.72%

#2403 of 2508 Bottom 4.2% in <100M tier

2317

Member Growth Rate

growth

Value: -8.55%

Peer Median: -1.37%

#2317 of 2508 Bottom 7.7% in <100M tier

2287

Net Charge-Off Rate

risk

Value: 1.57%

Peer Median: 0.07%

#2287 of 2508 Bottom 8.9% in <100M tier

1998

Loan-to-Member Ratio (LMR)

engagement

Value: $2,635

Peer Median: $4,923

#1998 of 2508 Bottom 20.4% in <100M tier

1980

Total Delinquency Rate (60+ days)

risk

Value: 1.83%

Peer Median: 0.65%

#1980 of 2508 Bottom 21.1% in <100M tier