BlastPoint's Credit Union Scorecard
WARREN MUNICIPAL
Charter #7633 · MI
WARREN MUNICIPAL has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Member Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - First Mortgage Concentration (%): 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 +5.0% year over year ($19.9M in shares and deposits).
- Membership: 1,398 members, +4.0% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 0.72%.
- Efficiency ratio 81.85% vs a 88.77% peer average.
- Loan-to-share ratio 45.35% 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 |
1,398
+4.0% YoY+7.0% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$22.1M
+5.0% YoY+6.1% QoQ
|
$-8.2M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$9.0M
-9.4% YoY-2.8% QoQ
|
$-6.4M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$19.9M
+5.0% YoY+7.1% QoQ
|
$-5.9M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.7%
-13.2% YoY-11.6% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
3.7%
-0.8% YoY-1.9% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
81.8%
+3.1% YoY+2.4% QoQ
|
-6.9% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.2%
+60.4% YoY+99.8% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
45.4%
-13.8% YoY-9.2% QoQ
|
-13.5% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$20,693
-3.8% YoY-3.0% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration | 0.0% | -24.6% | 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)