BlastPoint's Credit Union Scorecard

MINNESOTA VALLEY

Charter #19440 · MN

1069 CUs in 100M-500M nationally 31 in MN

MINNESOTA VALLEY has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 69.5% in tier
+ Organic Growth Leader: Top 77.4% in tier
+ Wallet Share Momentum: Top 100.0% in tier
+ ROA 0.22% above tier average
+ Members Per Employee (MPE): Top 6.0% in tier
+ Net Charge-Off Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.8% in tier
- Credit Quality Pressure: Bottom 57.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	18,374 +1.3% YoY-0.2% QoQ	+2.9K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	70%
Assets	$319.6M +6.6% YoY+2.4% QoQ	+$87.8M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	76%
Loans	$162.7M +6.6% YoY+0.7% QoQ	+$15.3M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	65%
Deposits	$282.2M +6.3% YoY+2.3% QoQ	+$81.4M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	78%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +16.9% YoY+10.3% QoQ	+0.2%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	67%
NIM	2.8% +13.8% YoY+1.5% QoQ	-0.8%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Bottom 11.2% in tier
Efficiency Ratio	70.9% +0.5% YoY-3.2% QoQ	-6.1%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.7% +29.6% YoY+28.2% QoQ	-0.2	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	52%
Loan To Share	57.6% +0.3% YoY-1.5% QoQ	-14.6%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	19%
AMR	$24,214 +5.0% YoY+1.9% QoQ	$-462	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	59%
CD Concentration	22.2% +0.4% YoY-3.5% QoQ	-2.2%	24.4%	22.0%	19.8%	50%
Indirect Auto %	10.6% +17.5% YoY+1.8% QoQ	-3.2%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#414 of 595 • Top 69.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.30%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.98%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 10.60%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#330 of 426 • Top 77.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.30%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 10.60%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#513 of 513 • Top 100.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.01%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#232 of 456 • Bottom 50.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.55%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#406 of 705 • Bottom 57.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 496.595

Peer Median: -

#65 of 1069 Top 6.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: -

#94 of 1069 Top 8.7% in 100M-500M tier

234

Total Deposits

balance_sheet

Value: $282.22M

Peer Median: -

#234 of 1069 Top 21.8% in 100M-500M tier

254

Total Assets

balance_sheet

Value: $319.61M

Peer Median: -

#254 of 1069 Top 23.7% in 100M-500M tier

Top Weaknesses (2 metrics)

949

Net Interest Margin (NIM)

profitability

Value: 2.80%

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

864

Loan-to-Share Ratio

balance_sheet

Value: 57.65%

Peer Median: -

#864 of 1069 Bottom 19.3% in 100M-500M tier