BlastPoint's Credit Union Scorecard
GOGEBIC COUNTY
Charter #7644 · MI
GOGEBIC COUNTY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.78% above tier average
- + Net Interest Margin 1.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,768
-2.4% YoY-1.2% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$36.6M
+6.5% YoY+0.7% QoQ
|
+$6.8M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$12.7M
-8.1% YoY-3.6% QoQ
|
$-3.1M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$30.5M
+4.5% YoY+0.1% QoQ
|
+$5.0M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
2.5%
-7.0% YoY+0.0% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 3.9% in tier |
| NIM |
5.1%
+5.4% YoY+0.4% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 12.3% in tier |
| Efficiency Ratio |
54.3%
+3.9% YoY+6.1% QoQ
|
-27.1% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
0.4%
-63.9% YoY+137.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
41.7%
-12.0% YoY-3.7% QoQ
|
-19.6% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$11,460
+2.9% YoY+0.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
2.0%
+35.5% YoY-1.7% QoQ
|
-22.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)