BlastPoint's Credit Union Scorecard

MINUTEMAN

Charter #14260 · SD

<100M

2508 CUs in <100M nationally 21 in SD

MINUTEMAN has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.77% above tier average
+ Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.97% above tier average
- Member decline: -2.8% YoY
- Indirect Auto Concentration (%): Bottom 6.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	1,163 -2.8% YoY-1.2% QoQ	-1.5K	2,676 +1.6% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	32%
Assets	$16.3M +2.9% YoY+4.6% QoQ	$-13.9M	$30.2M +1.3% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	43%
Loans	$10.2M -9.3% YoY-6.0% QoQ	$-5.1M	$15.3M -2.0% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	52%
Deposits	$14.0M +2.1% YoY+5.3% QoQ	$-11.8M	$25.8M +0.7% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +84.5% YoY+4.7% QoQ	+0.8%	0.1% -77.6% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	65%
NIM	4.4% -5.5% YoY-7.3% QoQ	+0.4%	4.0% +4.0% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	70.9% -13.0% YoY-8.1% QoQ	-19.7%	90.6% +6.5% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	2.5% +91.8% YoY-4.5% QoQ	+1.0	1.5% +3.8% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	Bottom 14.7% in tier
Loan To Share	72.6% -11.2% YoY-10.7% QoQ	+14.1%	58.5% -3.0% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	71%
AMR	$20,767 -0.3% YoY+1.4% QoQ	+$6K	$14,884 -1.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	81%
CD Concentration	32.4% +6.0% YoY+10.7% QoQ	+8.1%	24.3%	28.7%	19.8%	50%
Indirect Auto %	15.8% -8.8% YoY-9.2% QoQ	+2.0%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

331

Loan-to-Member Ratio (LMR)

engagement

Value: $8,732

Peer Median: $4,923

#331 of 2508 Top 13.2% in <100M tier

480

Average Member Relationship (AMR)

engagement

Value: $20,767

Peer Median: $13,926

#480 of 2508 Top 19.1% in <100M tier

Top Weaknesses (6 metrics)

2346

Indirect Auto Concentration (%)

balance_sheet

Value: 15.79%

Peer Median: 0.00%

#2346 of 2508 Bottom 6.5% in <100M tier

2151

Share Certificate Concentration (%)

balance_sheet

Value: 32.37%

Peer Median: 12.45%

#2151 of 2508 Bottom 14.3% in <100M tier

2141

Total Delinquency Rate (60+ days)

risk

Value: 2.48%

Peer Median: 0.65%

#2141 of 2508 Bottom 14.7% in <100M tier

1954

Members Per Employee (MPE)

engagement

Value: 232.600

Peer Median: 333.750

#1954 of 2508 Bottom 22.1% in <100M tier

1947

Net Charge-Off Rate

risk

Value: 0.61%

Peer Median: 0.07%

#1947 of 2508 Bottom 22.4% in <100M tier

1894

Loan Growth Rate

growth

Value: -9.32%

Peer Median: -2.36%

#1894 of 2508 Bottom 24.5% in <100M tier