BlastPoint's Credit Union Scorecard
KENOWA COMMUNITY
Charter #8119 · MI
KENOWA COMMUNITY demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Net Interest Margin 0.59% above tier average
- + Loan-to-Share Ratio: Top 7.4% in tier
- + Loan-to-Member Ratio (LMR): Top 10.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,541
-0.7% YoY+0.6% QoQ
|
-74 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$30.5M
-3.0% YoY+2.7% QoQ
|
+$379K |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$24.1M
+7.9% YoY+1.8% QoQ
|
+$8.3M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$25.7M
-4.4% YoY+2.4% QoQ
|
$-9K |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.3%
-9.0% YoY+21.4% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
4.5%
+11.5% YoY+2.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
70.7%
+5.0% YoY-1.5% QoQ
|
-11.9% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.5%
-6.8% YoY+134.4% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
93.8%
+12.8% YoY-0.6% QoQ
|
+33.2% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Top 7.6% in tier |
| AMR |
$19,590
+1.9% YoY+1.6% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
3.4%
-61.9% YoY-7.2% QoQ
|
-21.0% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
1.1%
+16.6% YoY-7.6% QoQ
|
-12.7% | 13.8% | 11.8% | 7.8% | 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)