BlastPoint's Credit Union Scorecard
MARQUETTE COMMUNITY
Charter #7873 · MI
MARQUETTE COMMUNITY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.41% above tier average
- + Net Interest Margin 0.33% above tier average
- + Share Certificate Concentration (%): Top 1.6% in tier
- + First Mortgage Concentration (%): Top 3.3% in tier
- + Efficiency Ratio: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 5.1% in tier
- - Total Loans: Bottom 8.5% in tier
- - Total Deposits: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,230
-0.4% YoY-0.2% QoQ
|
-6.9K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$116.3M
+5.0% YoY+2.9% QoQ
|
$-115.4M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.8% in tier |
| Loans |
$54.6M
-0.3% YoY-1.0% QoQ
|
$-89.5M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.4% in tier |
| Deposits |
$97.5M
+2.7% YoY+2.2% QoQ
|
$-103.7M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.2% in tier |
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| ROA |
2.1%
+2.3% YoY+2.2% QoQ
|
+1.4% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.5% in tier |
| NIM |
4.0%
-3.9% YoY-5.1% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
54.6%
+2.1% YoY-2.1% QoQ
|
-23.4% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
0.7%
-2.1% YoY+18.6% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
56.0%
-2.9% YoY-3.2% QoQ
|
-14.4% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$18,478
+2.0% YoY+1.3% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
1.1%
-16.6% YoY-10.4% QoQ
|
-23.2% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
45.4%
+3.1% YoY-1.3% QoQ
|
+31.6% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)