BlastPoint's Credit Union Scorecard

MARQUETTE COMMUNITY

Charter #7873 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

MARQUETTE COMMUNITY has 5 strengths but faces 3 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

+ ROA 1.25% above tier average
+ Net Interest Margin 0.40% above tier average
+ Share Certificate Concentration (%): Top 1.8% in tier
+ First Mortgage Concentration (%): Top 2.9% in tier
+ Efficiency Ratio: Top 4.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 4.9% in tier
- Total Deposits: Bottom 9.2% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits +3.1% year over year ($98.1M in shares and deposits).
Membership: 8,211 members, -0.0% vs a year ago.
Delinquency rate 0.85%.
Return on assets 2.11%.
Efficiency ratio 55.18% vs a 76.73% peer average.
Loan-to-share ratio 59.49% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	8,211 -0.0% YoY-0.2% QoQ	-7.0K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	20%
Assets	$117.0M +4.4% YoY+0.6% QoQ	$-115.1M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	Bottom 11.0% in tier
Loans	$58.4M +6.6% YoY+6.9% QoQ	$-87.9M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Bottom 10.3% in tier
Deposits	$98.1M +3.1% YoY+0.7% QoQ	$-102.6M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	Bottom 9.1% 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	2.1% +0.2% YoY-1.1% QoQ	+1.3%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Top 2.5% in tier
NIM	4.1% -0.7% YoY+3.0% QoQ	+0.4%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	74%
Efficiency Ratio	55.2% +0.9% YoY+1.0% QoQ	-21.6%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Top 4.4% in tier
Delinquency Rate	0.9% -16.9% YoY+17.8% QoQ	+0.0	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	60%
Loan To Share	59.5% +3.4% YoY+6.2% QoQ	-12.1%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	25%
AMR	$19,054 +4.4% YoY+3.1% QoQ	$-6K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	26%
CD Concentration	1.0% -13.4% YoY-1.1% QoQ	-23.5%	24.6%	18.8%	20.0%	50%
Indirect Auto %	45.5% +3.7% YoY+0.2% QoQ	+31.9%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk

#75 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 4.43%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 45.54%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.01%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 1.04%

Peer Median: 23.39%

#19 of 1024 Top 1.8% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.11%

Peer Median: 0.75%

#26 of 1024 Top 2.4% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 2.08%

Peer Median: 29.92%

#31 of 1024 Top 2.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.18%

Peer Median: 77.26%

#46 of 1024 Top 4.4% in 100M-500M tier

171

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.34%

#171 of 1024 Top 16.6% in 100M-500M tier

176

Members Per Employee (MPE)

engagement

Value: 410.550

Peer Median: 310.924

#176 of 1024 Top 17.1% in 100M-500M tier

179

Net Worth Ratio

risk

Value: 14.92%

Peer Median: 11.71%

#179 of 1024 Top 17.4% in 100M-500M tier

Top Weaknesses (7 metrics)

975

Indirect Auto Concentration (%)

balance_sheet

Value: 45.54%

Peer Median: 6.15%

#975 of 1024 Bottom 4.9% in 100M-500M tier

931

Total Deposits

balance_sheet

Value: $98.10M

Peer Median: $170.77M

#931 of 1024 Bottom 9.2% in 100M-500M tier

919

Total Loans

balance_sheet

Value: $58.36M

Peer Median: $124.04M

#919 of 1024 Bottom 10.4% in 100M-500M tier

911

Total Assets

balance_sheet

Value: $116.95M

Peer Median: $196.38M

#911 of 1024 Bottom 11.1% in 100M-500M tier

820

Total Members

engagement

Value: 8,211

Peer Median: 13,128

#820 of 1024 Bottom 20.0% in 100M-500M tier

788

Fee Income Per Member

profitability

Value: $113.90

Peer Median: $159.88

#788 of 1024 Bottom 23.1% in 100M-500M tier

774

Loan-to-Member Ratio (LMR)

engagement

Value: $7,107

Peer Median: $9,434

#774 of 1024 Bottom 24.5% in 100M-500M tier