BlastPoint's Credit Union Scorecard
MUSKEGON ST JOSEPH
Charter #8141 · MI
MUSKEGON ST JOSEPH has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.35% above tier average
- - Member decline: -8.6% YoY
- - Member Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,323
-8.6% YoY-1.7% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$13.4M
-1.6% YoY+2.8% QoQ
|
$-16.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$8.4M
-10.3% YoY-1.4% QoQ
|
$-7.4M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$12.0M
-2.6% YoY+3.7% QoQ
|
$-13.7M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
40% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-206.0% YoY-31.9% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.5%
+18.8% YoY-3.4% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
70.7%
-10.7% YoY+4.0% QoQ
|
-11.9% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.9%
+5.8% YoY-7.0% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
69.9%
-7.9% YoY-4.9% QoQ
|
+9.3% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$15,452
+2.9% YoY+3.3% QoQ
|
+$670 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)