BlastPoint's Credit Union Scorecard
SHORE TO SHORE COMMUNITY
Charter #8349 · MI
SHORE TO SHORE COMMUNITY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 0.10% above tier average
- + Total Deposits: Top 6.2% in tier
- + Total Assets: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,360
-2.4% YoY-0.7% QoQ
|
+2.7K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 11.8% in tier |
| Assets |
$81.9M
+0.2% YoY+0.5% QoQ
|
+$51.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 7.0% in tier |
| Loans |
$28.8M
-1.4% YoY+0.5% QoQ
|
+$13.1M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$72.0M
-1.0% YoY+0.2% QoQ
|
+$46.3M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 6.2% in tier |
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| ROA |
1.4%
-1.8% YoY+0.2% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.1%
+7.2% YoY+1.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
68.7%
+1.5% YoY+1.4% QoQ
|
-13.9% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.3%
+19.0% YoY-33.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
40.1%
-0.4% YoY+0.3% QoQ
|
-20.5% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$18,812
+1.4% YoY+1.0% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
3.1%
+10.2% YoY-1.2% QoQ
|
-21.3% | 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)