MUSKEGON ST JOSEPH
Charter #8141 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
MUSKEGON ST JOSEPH has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% 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 0.54% above tier average
- - Member decline: -8.8% YoY
- - Member Growth Rate: Bottom 7.3% in tier
- - Deposit Growth Rate: Bottom 7.5% in tier
- - Asset Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,346
-8.8% YoY-1.5% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
37th in tier |
| Assets |
$13.0M
-8.0% YoY-1.2% QoQ
|
$-16.8M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$8.5M
-11.4% YoY-2.3% QoQ
|
$-7.2M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
46th in tier |
| Deposits |
$11.6M
-9.9% YoY-2.1% QoQ
|
$-13.9M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
1.1%
-180.2% YoY-3.9% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
3.6%
+47.4% YoY-5.0% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
39th in tier |
| Efficiency Ratio |
68.0%
-24.0% YoY+2.5% QoQ
|
-13.4% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
27th in tier |
| Delinquency Rate |
2.0%
-43.4% YoY+11.1% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 19.6% in tier |
| Loan To Share |
73.5%
-1.7% YoY-0.2% QoQ
|
+12.3% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
68th in tier |
| AMR |
$14,952
-1.9% YoY-0.8% QoQ
|
+$325 |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
57th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
Top Weaknesses (8 metrics)
2408
Member Growth Rate
growth
Value:
-8.81%
Peer Avg: 14.92%
#2408 of 2596
Bottom 7.3% in <100M tier
2403
Deposit Growth Rate
growth
Value:
-9.87%
Peer Avg: 16.80%
#2403 of 2596
Bottom 7.5% in <100M tier
2398
Asset Growth Rate
growth
Value:
-8.02%
Peer Avg: 1.82%
#2398 of 2596
Bottom 7.7% in <100M tier
2190
First Mortgage Concentration (%)
balance_sheet
Value:
35.30%
Peer Avg: 14.49%
#2190 of 2596
Bottom 15.7% in <100M tier
2137
Loan Growth Rate
growth
Value:
-11.36%
Peer Avg: 59.01%
#2137 of 2596
Bottom 17.7% in <100M tier
2116
Net Worth Ratio
risk
Value:
10.23%
Peer Avg: 16.43%
#2116 of 2596
Bottom 18.5% in <100M tier
2087
Total Delinquency Rate (60+ days)
risk
Value:
2.04%
Peer Avg: 1.51%
#2087 of 2596
Bottom 19.6% in <100M tier
1997
Fee Income Per Member
profitability
Value:
$15.11
Peer Avg: $182.96
#1997 of 2596
Bottom 23.1% in <100M tier