BlastPoint's Credit Union Scorecard
MUSKEGON ST JOSEPH
Charter #8141 · MI
MUSKEGON ST JOSEPH has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Member decline: -7.8% YoY
- - Member Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,295
-7.8% YoY-2.1% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$13.0M
-2.9% YoY-2.8% QoQ
|
$-17.2M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$8.5M
-5.2% YoY+0.5% QoQ
|
$-6.8M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$11.6M
-4.0% YoY-3.8% QoQ
|
$-14.2M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
-0.0%
-103.8% YoY-103.3% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
2.9%
-10.8% YoY-16.1% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
78.2%
+6.2% YoY+10.6% QoQ
|
-12.4% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.8%
+18.4% YoY-59.3% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
73.0%
-1.2% YoY+4.5% QoQ
|
+14.5% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$15,469
+3.6% YoY+0.1% QoQ
|
+$585 |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 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)