BlastPoint's Credit Union Scorecard
MINUTEMAN
Charter #14260 · SD
MINUTEMAN has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Delinquency rate 1.50% above tier average
- - Member decline: -3.6% YoY
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
- - Share Certificate Concentration (%): Bottom 9.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits -1.9% year over year ($12.9M in shares and deposits).
- Membership: 1,155 members, -3.6% vs a year ago.
- Delinquency rate 3.05%.
- Return on assets 0.83%.
- Efficiency ratio 75.84% vs a 88.77% peer average.
- Loan-to-share ratio 79.60% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,155
-3.6% YoY-0.7% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$15.2M
-0.5% YoY-6.4% QoQ
|
$-15.1M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$10.2M
-9.4% YoY+0.9% QoQ
|
$-5.2M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$12.9M
-1.9% YoY-8.1% QoQ
|
$-12.9M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.8%
+7.8% YoY-9.6% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
4.5%
-4.3% YoY+2.2% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
75.8%
-3.1% YoY+6.9% QoQ
|
-12.9% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
3.0%
+53.2% YoY+23.2% QoQ
|
+1.5 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
79.6%
-7.7% YoY+9.7% QoQ
|
+20.7% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$20,008
-1.9% YoY-3.7% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
37.5%
+17.8% YoY+16.0% QoQ
|
+13.0% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
15.0%
-15.2% YoY-4.9% QoQ
|
+1.4% | 13.6% | 8.1% | 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)