BlastPoint's Credit Union Scorecard
MARQUETTE COMMUNITY
Charter #7873 · MI
MARQUETTE COMMUNITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.33% above tier average
- + Net Interest Margin 0.57% above tier average
- + Share Certificate Concentration (%): Top 1.9% in tier
- + First Mortgage Concentration (%): Top 3.0% in tier
- + Efficiency Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.1% in tier
- - Stagnation Risk: Bottom 82.1% in tier
- - Membership Headwinds: Bottom 94.9% in tier
- - Institutional Decline: Bottom 99.2% in tier
- - Indirect Auto Concentration (%): Bottom 4.3% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Total Loans: Bottom 7.6% in tier
- - Total Assets: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,247
-0.7% YoY-0.0% QoQ
|
-7.2K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$113.0M
+5.9% YoY+2.3% QoQ
|
$-118.8M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.7% in tier |
| Loans |
$55.2M
-0.5% YoY-2.5% QoQ
|
$-92.2M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.5% in tier |
| Deposits |
$95.3M
+4.1% YoY+2.5% QoQ
|
$-105.5M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.5% in tier |
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| ROA |
2.1%
+5.5% YoY-5.4% QoQ
|
+1.3% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 1.8% in tier |
| NIM |
4.2%
+1.8% YoY+0.1% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
55.7%
-0.7% YoY+4.8% QoQ
|
-21.3% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate |
0.6%
-10.9% YoY-26.3% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
57.9%
-4.5% YoY-4.9% QoQ
|
-14.4% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$18,249
+3.1% YoY+0.7% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
1.2%
-20.7% YoY-2.7% QoQ
|
-23.3% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
46.0%
+5.4% YoY-0.4% QoQ
|
+32.2% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)