BlastPoint's Credit Union Scorecard
EMBARRASS VERMILLION
Charter #4708 · MN
EMBARRASS VERMILLION has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 0.70% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 5.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
- + Loan-to-Share Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,855
+1.3% YoY-0.0% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 14.9% in tier |
| Assets |
$66.0M
+9.0% YoY+0.4% QoQ
|
+$35.9M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Top 14.2% in tier |
| Loans |
$50.5M
+8.7% YoY-0.4% QoQ
|
+$34.7M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Top 5.3% in tier |
| Deposits |
$55.4M
+9.1% YoY+0.5% QoQ
|
+$29.7M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
85% |
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 |
1.5%
-26.8% YoY-11.4% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.6%
-9.4% YoY-0.5% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
67.0%
+7.2% YoY+3.9% QoQ
|
-15.6% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.4%
+11.5% YoY-25.4% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
91.2%
-0.3% YoY-1.0% QoQ
|
+30.6% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 9.0% in tier |
| AMR |
$21,807
+7.6% YoY+0.1% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
18.5%
+70.0% YoY+2.8% QoQ
|
-5.9% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 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)