Financial
Member Community
Team
Core
As of 12.31.2025
orsa credit union
2025 Executive Scorecard
Rollover each tag to learn more about the initiative
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Net Worth Ratio
Financial
10.11%
reflecting stable capital with lower assets.
Assets
Financial
$1.47b
We are intentionally reducing our asset size by reducing our loan portfolio to rebalance the balance sheet to improve our liquidity position.
Return On Assets
Financial
.06%
Core deposits have the biggest impact on ROA, imporving margins and reducing reliance on borrowings.
Non-Interest Income
Financial
-$1.6m
Non-interest income will increase as a result of increased interchange income, other deposit-related fees, and CUSO revenue.
Net Income
Financial
-$2.7m
Net income is expected to rise as expenses stabilize.
Members/FTE
Financial
253 Mbrs/FTE
This trend continues to improve.
OpEx/Assets
Financial
4.44%
of assets, aiming to stay below 4% amid branch expansions.
Bold Dreams
Financial
63%
of members surveyed report bold dreams for their future.
Financial Well-Being
Financial
39%
of members who report use of multiple CFCU tools as a reason for enhanced financial well-being.
Advocates
Financial
72%
of members who report that they tell others and recommend orsa credit union.
Goals Reached
Financial
100%
of organizations say they are serving new and additional constituents.
Promises Kept
Financial
84%
of members who report that they believe orsa will follow through on its commitments and promises.
Youth Education
Financial
31%
of parent members surveyed reporting confidence due to orsa.
Member Needs
Financial
83%
of members who report the suite of financial services meet their needs.
Clear Language
Financial
91%
of members who report that orsa language is easy to understand.
Member Service
Financial
1,446
individuals assisted through five organizations.
Assets/FTE
Member Community
$4.5m
per FTE, enhanced by controlled staffing and efficient growth.
Renegotiations
Member Community
3 of 12 (25%)
This metric will vary based on contract due dates over the next 12 months and the likelihood of negotiation.
Cornerstone
Member Community
Baseline in development
Efficiency Ratio
Member Community
90%
We spend 85 cents to earn each dollar of revenue.
Contract Reviewal
Member Community
5 of 12 (41.67%)
This metric will vary absed on contract due dates over the next 12 months and the likelihood of negotiation.
Decoupling
Team
Baseline in development
Financial Tools
Team
4.21
average number of financial tools and services used by members.
Steps After Life
Team
Baseline in development
New Test
Team
6 tests
Year to Date Metric based on reporting in innovation area.
Homeowners
Team
6.42%
of members have an orsa mortgage.
Northern Michigan
Team
7.05%
of members in northern Michigan zip codes have an orsa mortgage.
Members Over 30
Team
6.03%
of members under 30 have orsa mortgages.
Greenlight
Team
8.99%
Target: ≥ 19%. This trend continues to improve, up from 8.81% in November.
First Step
Team
29
First Step loan users in 2025
Detroit
Team
3.14%
of member in Detroit zip codes have an orsa mortgage.
Women Of Color
Team
6.35%
who are members and women of color in Detroit zip codes have an orsa mortgages.
Cancer Care
Team
12
members using cancer care agents in 2025
Savings Balances
Core
19.18%
of members exceed the $6,240 average savings benchmark.
Engagement Score
Core
27.23
average score for an orsa member.
Digital Banking
Core
57.43%
are active digital banking users.
Financial Health
Core
51.70%
of members using multiple tools whose savings and investments show improved financial health.
Direct Deposit
Core
46.84%
of members with direct deposit.
Checking Penetration
Core
61.16%
of orsa members have a checking share.
Membership Growth
Core
3.28% YTD (w/o Indirect)
This trend is increasing month over month.
Business Members
Core
3.22% YTD
Retained Capital
Core
Baseline in development
Brand Awareness
Core
Baseline in development
Financial Review
Core
Baseline in development
Retired Members
Core
Baseline in development
Industry Events
Core
13
industry events in 2025.
Collaborative Engagements
Core
4
collaborative engagements events in 2025.
Net Worth Ratio
Financial
10.11%
reflecting stable capital with lower assets.
Assets
Financial
$1.47b
We are intentionally reducing our asset size by reducing our loan portfolio to rebalance the balance sheet to improve our liquidity position.
Return On Assets
Financial
.06%
Core deposits have the biggest impact on ROA, imporving margins and reducing reliance on borrowings.
Non-Interest Income
Financial
-$1.6m
Non-interest income will increase as a result of increased interchange income, other deposit-related fees, and CUSO revenue.
Net Income
Financial
-$2.7m
Net income is expected to rise as expenses stabilize.
Members/FTE
Financial
253 Mbrs/FTE
This trend continues to improve.
OpEx/Assets
Financial
4.44%
of assets, aiming to stay below 4% amid branch expansions.
Bold Dreams
Financial
63%
of members surveyed report bold dreams for their future.
Financial Well-Being
Financial
39%
of members who report use of multiple CFCU tools as a reason for enhanced financial well-being.
Advocates
Financial
72%
of members who report that they tell others and recommend orsa credit union.
Goals Reached
Financial
100%
of organizations say they are serving new and additional constituents.
Promises Kept
Financial
84%
of members who report that they believe orsa will follow through on its commitments and promises.
Youth Education
Financial
31%
of parent members surveyed reporting confidence due to orsa.
Member Needs
Financial
83%
of members who report the suite of financial services meet their needs.
Clear Language
Financial
91%
of members who report that orsa language is easy to understand.
Member Service
Financial
1,446
individuals assisted through five organizations.
Assets/FTE
Member Community
$4.5m
per FTE, enhanced by controlled staffing and efficient growth.
Renegotiations
Member Community
3 of 12 (25%)
This metric will vary based on contract due dates over the next 12 months and the likelihood of negotiation.
Efficiency Ratio
Member Community
90%
We spend 85 cents to earn each dollar of revenue.
Contract Reviewal
Member Community
5 of 12 (41.67%)
This metric will vary absed on contract due dates over the next 12 months and the likelihood of negotiation.
Cornerstone
Member Community
Baseline in development
New Test
Team
6 tests
Year to Date Metric based on reporting in innovation area.
First Step
Team
29
First Step loan users in 2025
Cancer Care
Team
12
members using cancer care agents in 2025
Decoupling
Team
Baseline in development
Financial Tools
Team
4.21
average number of financial tools and services used by members.
Steps After Life
Team
Baseline in development
Homeowners
Team
6.42%
of members have an orsa mortgage.
Northern Michigan
Team
7.05%
of members in northern Michigan zip codes have an orsa mortgage.
Members Over 30
Team
6.03%
of members under 30 have orsa mortgages.
Greenlight
Team
8.99%
Target: ≥ 19%. This trend continues to improve, up from 8.81% in November.
Detroit
Team
3.14%
of member in Detroit zip codes have an orsa mortgage.
Women Of Color
Team
6.35%
who are members and women of color in Detroit zip codes have an orsa mortgages.
Retired Members
Core
Baseline in development
Savings Balances
Core
19.18%
of members exceed the $6,240 average savings benchmark.
Engagement Score
Core
27.23
average score for an orsa member.
Digital Banking
Core
57.43%
are active digital banking users.
Financial Health
Core
51.70%
of members using multiple tools whose savings and investments show improved financial health.
Direct Deposit
Core
46.84%
of members with direct deposit.
Checking Penetration
Core
61.16%
of orsa members have a checking share.
Membership Growth
Core
3.28% YTD (w/o Indirect)
This trend is increasing month over month.
Business Members
Core
3.22% YTD
Financial Review
Core
Baseline in development
Retained Capital
Core
Baseline in development
Brand Awareness
Core
Baseline in development
Industry Events
Core
13
industry events in 2025.
Collaborative Engagements
Core
4
collaborative engagements events in 2025.
Performance does not yet meet target. Progress is on track.
Performance Meets Target.
Performance is at risk to meeting target.
Performance is not expected to meet target.