BlastPoint's Credit Union Scorecard
MINNESOTA VALLEY
Charter #19440 · MN
MINNESOTA VALLEY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.19% above tier average
- + Members Per Employee (MPE): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +3.7% year over year ($290M in shares and deposits).
- Membership: 18,446 members, +0.8% vs a year ago.
- Delinquency rate 0.56%.
- Return on assets 1.05%.
- Efficiency ratio 67.69% vs a 76.73% peer average.
- Loan-to-share ratio 58.09% vs a 71.54% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,446
+0.8% YoY-0.1% QoQ
|
+3.3K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$329.0M
+4.4% YoY-1.5% QoQ
|
+$97.0M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$168.3M
+5.0% YoY+1.8% QoQ
|
+$22.0M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$289.7M
+3.7% YoY-2.1% QoQ
|
+$89.0M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.1%
+36.3% YoY+26.0% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
2.9%
+10.8% YoY+1.7% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
67.7%
-12.1% YoY-4.8% QoQ
|
-9.0% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
0.6%
+5.1% YoY-7.0% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
58.1%
+1.2% YoY+4.0% QoQ
|
-13.5% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$24,831
+3.4% YoY-0.6% QoQ
|
$-275 |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
20.8%
-6.7% YoY-1.5% QoQ
|
-3.8% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
11.1%
+12.1% YoY-2.4% QoQ
|
-2.5% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)