BlastPoint's Credit Union Scorecard

MINUTEMAN

Charter #14260 · SD

<100M

2556 CUs in <100M nationally 21 in SD

MINUTEMAN has 2 strengths but faces 2 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 0.25% above tier average
+ Net Interest Margin 0.83% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 1.04% above tier average
- Indirect Auto Concentration (%): Bottom 6.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	1,177 -1.9% YoY0% QoQ	-1.4K	2,615 -1.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	32%
Assets	$15.6M +3.7% YoY+2.2% QoQ	$-14.6M	$30.1M +2.1% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	42%
Loans	$10.8M -6.0% YoY-1.8% QoQ	$-5.0M	$15.8M -1.3% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	53%
Deposits	$13.3M +3.2% YoY+2.1% QoQ	$-12.4M	$25.7M +1.4% YoY	$161.4M +6.0% YoY	$477.3M +9.7% YoY	42%

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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% -16.2% YoY+7.5% QoQ	+0.3%	0.6% +10.8% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	60%
NIM	4.8% +5.0% YoY-0.5% QoQ	+0.8%	4.0% +4.0% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	77.2% +1.3% YoY+0.4% QoQ	-5.4%	82.6% -2.3% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	44%
Delinquency Rate	2.6% +43.3% YoY+33.1% QoQ	+1.0	1.6% -3.1% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	84%
Loan To Share	81.3% -8.9% YoY-3.9% QoQ	+20.6%	60.6% -3.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	80%
AMR	$20,472 +0.8% YoY+0.3% QoQ	+$6K	$14,783 -1.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	81%
CD Concentration	29.2% +11.7% YoY+0.6% QoQ	+4.8%	24.4%	29.0%	19.8%	50%
Indirect Auto %	17.4% +2.1% YoY+0.4% QoQ	+3.6%	13.8%	8.0%	7.8%	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 2556 peers in tier

Top Strengths (4 metrics)

292

Loan-to-Member Ratio (LMR)

engagement

Value: $9,178

Peer Median: -

#292 of 2556 Top 11.4% in <100M tier

488

Net Interest Margin (NIM)

profitability

Value: 4.78%

Peer Median: -

#488 of 2556 Top 19.1% in <100M tier

497

Average Member Relationship (AMR)

engagement

Value: $20,472

Peer Median: -

#497 of 2556 Top 19.4% in <100M tier

516

Loan-to-Share Ratio

balance_sheet

Value: 81.26%

Peer Median: -

#516 of 2556 Top 20.1% in <100M tier

Top Weaknesses (3 metrics)

2394

Indirect Auto Concentration (%)

balance_sheet

Value: 17.40%

Peer Median: -

#2394 of 2556 Bottom 6.4% in <100M tier

2150

Total Delinquency Rate (60+ days)

risk

Value: 2.59%

Peer Median: -

#2150 of 2556 Bottom 15.9% in <100M tier

2090

Share Certificate Concentration (%)

balance_sheet

Value: 29.23%

Peer Median: -

#2090 of 2556 Bottom 18.3% in <100M tier