BlastPoint's Credit Union Scorecard
WARREN MUNICIPAL
Charter #7633 · MI
WARREN MUNICIPAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 5.22% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - First Mortgage Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,320
-3.9% YoY-0.8% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$20.4M
-1.0% YoY+0.7% QoQ
|
$-9.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$9.5M
-7.4% YoY-2.5% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$18.2M
-2.2% YoY+0.7% QoQ
|
$-7.5M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
0.5%
-52.1% YoY-33.3% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.9%
+1.5% YoY+1.4% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
87.8%
+18.3% YoY+7.8% QoQ
|
+5.2% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.1%
+8.5% YoY-14.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
52.4%
-5.3% YoY-3.1% QoQ
|
-8.2% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$21,019
-0.1% YoY+0.3% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration | 0.0% | -24.4% | 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)