BlastPoint's Credit Union Scorecard

MARQUETTE COMMUNITY

Charter #7873 · MI

1077 CUs in 100M-500M nationally 67 in MI

MARQUETTE COMMUNITY has 6 strengths but faces 9 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 5.9% in tier
+ ROA 1.42% above tier average
+ Net Interest Margin 0.59% above tier average
+ Share Certificate Concentration (%): Top 1.9% in tier
+ First Mortgage Concentration (%): Top 2.9% in tier
+ Efficiency Ratio: Top 3.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 7.7% in tier
- Stagnation Risk: Bottom 9.2% in tier
- Credit Quality Pressure: Bottom 19.1% in tier
- Membership Headwinds: Bottom 21.2% in tier
- Institutional Decline: Bottom 32.3% in tier
- Indirect Auto Concentration (%): Bottom 4.8% in tier
- Total Deposits: Bottom 5.1% in tier
- Total Assets: Bottom 7.2% in tier
- Total Loans: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	8,250 -1.8% YoY+0.5% QoQ	-7.4K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	18%
Assets	$110.4M +1.7% YoY-1.4% QoQ	$-120.9M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	Bottom 7.1% in tier
Loans	$56.6M -0.7% YoY+3.3% QoQ	$-91.2M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	Bottom 8.0% in tier
Deposits	$93.0M -0.8% YoY-2.3% QoQ	$-107.3M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	Bottom 5.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.2% +11.1% YoY+4.7% QoQ	+1.4%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Top 1.8% in tier
NIM	4.2% +4.6% YoY+1.5% QoQ	+0.6%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	82%
Efficiency Ratio	53.2% -2.7% YoY-2.7% QoQ	-24.1%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Bottom 3.3% in tier
Delinquency Rate	0.8% +15.1% YoY-19.3% QoQ	-0.0	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	62%
Loan To Share	60.8% +0.1% YoY+5.8% QoQ	-11.9%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	23%
AMR	$18,125 +1.0% YoY-0.7% QoQ	$-6K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	23%
CD Concentration	1.2% -22.1% YoY+0.5% QoQ	-23.2%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	46.2% +5.3% YoY+5.2% QoQ	+32.2%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#21 of 340 • Top 5.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.21%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.22% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (5)

Indirect Auto Dependency

risk

#125 of 525 • Bottom 7.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.70%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 46.21%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#152 of 550 • Bottom 9.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.74%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.83%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#473 of 736 • Bottom 19.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline

#350 of 550 • Bottom 21.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#255 of 256 • Bottom 32.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $110.42M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.74%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Return on Assets (ROA)

profitability

Value: 2.21%

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 1.21%

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 2.10%

Peer Avg: -

#32 of 1077 Top 2.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 53.21%

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

197

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Avg: -

#197 of 1077 Top 18.2% in 100M-500M tier

212

Net Worth Ratio

risk

Value: 14.23%

Peer Avg: -

#212 of 1077 Top 19.6% in 100M-500M tier

251

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#251 of 1077 Top 23.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1026

Indirect Auto Concentration (%)

balance_sheet

Value: 46.21%

Peer Avg: -

#1026 of 1077 Bottom 4.8% in 100M-500M tier

1023

Total Deposits

balance_sheet

Value: $92.96M

Peer Avg: -

#1023 of 1077 Bottom 5.1% in 100M-500M tier

1000

Total Assets

balance_sheet

Value: $110.42M

Peer Avg: -

#1000 of 1077 Bottom 7.2% in 100M-500M tier

991

Total Loans

balance_sheet

Value: $56.56M

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

933

Deposit Growth Rate

growth

Value: -0.82%

Peer Avg: -

#933 of 1077 Bottom 13.5% in 100M-500M tier

887

Total Members

engagement

Value: 8,250

Peer Avg: -

#887 of 1077 Bottom 17.7% in 100M-500M tier

869

Fee Income Per Member

profitability

Value: $108.85

Peer Avg: -

#869 of 1077 Bottom 19.4% in 100M-500M tier

852

Loan-to-Member Ratio (LMR)

engagement

Value: $6,856

Peer Avg: -

#852 of 1077 Bottom 21.0% in 100M-500M tier

828

Loan-to-Share Ratio

balance_sheet

Value: 60.84%

Peer Avg: -

#828 of 1077 Bottom 23.2% in 100M-500M tier

825

Average Member Relationship (AMR)

engagement

Value: $18,125

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier