BlastPoint's Credit Union Scorecard
MINUTEMAN
Charter #14260 · SD
MINUTEMAN has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.44% above tier average
- - Member decline: -3.9% YoY
- - Indirect Auto Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,177
-3.9% YoY-1.8% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$15.2M
-3.6% YoY-0.5% QoQ
|
$-14.6M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$11.0M
-6.0% YoY-2.7% QoQ
|
$-4.8M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$13.0M
-5.1% YoY-0.7% QoQ
|
$-12.4M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
0.8%
-15.3% YoY+6.0% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
4.8%
+8.6% YoY+1.7% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
76.9%
-0.3% YoY-1.8% QoQ
|
-4.5% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.9%
+12.5% YoY-2.2% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
84.5%
-0.9% YoY-2.0% QoQ
|
+23.3% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$20,409
-1.7% YoY+0.1% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
29.1%
-4.8% YoY-8.8% QoQ
|
+4.7% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
17.3%
-4.7% YoY-2.3% QoQ
|
+3.3% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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)