BlastPoint's Credit Union Scorecard
GOGEBIC COUNTY
Charter #7644 · MI
GOGEBIC COUNTY demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.22% above tier average
- + Net Interest Margin 0.75% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,746
-1.1% YoY-1.0% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$38.7M
+7.7% YoY+2.0% QoQ
|
+$8.5M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$11.5M
-14.0% YoY-4.1% QoQ
|
$-3.8M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$32.1M
+5.8% YoY+1.7% QoQ
|
+$6.3M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
2.4%
+13.5% YoY-3.0% QoQ
|
+2.2% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 3.6% in tier |
| NIM |
4.8%
-6.6% YoY-5.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
60.6%
+13.9% YoY+8.9% QoQ
|
-30.1% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 12.7% in tier |
| Delinquency Rate |
0.5%
+65.0% YoY-32.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
35.8%
-18.7% YoY-5.7% QoQ
|
-22.7% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$11,619
+0.9% YoY+1.1% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
2.2%
+26.2% YoY+2.6% QoQ
|
-22.0% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)