BlastPoint's Credit Union Scorecard

MINNESOTA VALLEY

Charter #19440 · MN

100M-500M
1070 CUs in 100M-500M nationally 31 in MN

MINNESOTA VALLEY has 5 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 Leader: Top 50.0% in tier
  • + Wallet Share Momentum: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + ROA 0.11% above tier average
  • + Members Per Employee (MPE): Top 4.5% 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

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 18,467
+1.1% YoY+0.5% QoQ
 +3.3K 15,145
-2.5% YoY
 22,507
-13.7% YoY
 33,913
+5.7% YoY
 72%
Assets $333.9M
+6.8% YoY+4.5% QoQ
 +$102.2M $231.7M
+0.8% YoY
 $434.0M
-15.1% YoY
 $578.3M
+9.0% YoY
 78%
Loans $165.4M
+6.9% YoY+1.7% QoQ
 +$21.3M $144.1M
+0.2% YoY
 $293.6M
-17.5% YoY
 $402.4M
+8.7% YoY
 67%
Deposits $296.1M
+6.6% YoY+4.9% QoQ
 +$94.9M $201.1M
+0.4% YoY
 $364.1M
-13.5% YoY
 $494.3M
+9.1% YoY
 80%

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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 0.8%
+15.3% YoY-14.8% QoQ
 +0.1% 0.7%
+5.1% YoY
 0.2%
-92.6% YoY
 0.4%
-39.2% YoY
 60%
NIM 2.9%
+11.8% YoY+2.5% QoQ
 -0.8% 3.6%
+4.6% YoY
 3.7%
+5.4% YoY
 3.8%
+4.1% YoY
 Bottom 10.6% in tier
Efficiency Ratio 71.1%
-9.9% YoY+0.3% QoQ
 -6.9% 78.0%
-1.7% YoY
 102.0%
+29.5% YoY
 84.6%
+2.8% YoY
 26%
Delinquency Rate 0.6%
+32.2% YoY-18.1% QoQ
 -0.2 0.8%
+7.1% YoY
 0.8%
-5.2% YoY
 1.2%
+3.4% YoY
 49%
Loan To Share 55.9%
+0.3% YoY-3.1% QoQ
 -14.6% 70.4%
-0.4% YoY
 73.2%
-2.1% YoY
 65.6%
-1.4% YoY
 19%
AMR $24,989
+5.6% YoY+3.2% QoQ
 +$71 $24,918
+2.7% YoY
 $24,012
+4.3% YoY
 $19,920
+1.6% YoY
 62%
CD Concentration 21.1%
-1.6% YoY-5.0% QoQ
 -3.2% 24.3% 22.6% 19.8% 50%
Indirect Auto % 11.4%
+21.7% YoY+7.7% QoQ
 -2.4% 13.8% 6.4% 7.7% 50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#307 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.06%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 11.41%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Wallet Share Momentum

growth
#426 of 491 • Top 50.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.57%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | New qualifier

Organic Growth Engine

growth
#310 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.06%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.84%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 11.41%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#230 of 476 • Bottom 50.0% in tier

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

Why This Signature
Loan Growth (YoY): 6.86%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk
#415 of 727 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 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)

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

49
Members Per Employee (MPE)
engagement
Value: 527.629
Peer Median: 309.176
#49 of 1070 Top 4.5% in 100M-500M tier
209
Total Deposits
balance_sheet
Value: $296.07M
Peer Median: $171.29M
#209 of 1070 Top 19.4% in 100M-500M tier
233
Total Assets
balance_sheet
Value: $333.91M
Peer Median: $196.57M
#233 of 1070 Top 21.7% in 100M-500M tier
267
Deposit Growth Rate
growth
Value: 6.58%
Peer Median: 3.30%
#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (2 metrics)

957
Net Interest Margin (NIM)
profitability
Value: 2.87%
Peer Median: 3.62%
#957 of 1070 Bottom 10.7% in 100M-500M tier
863
Loan-to-Share Ratio
balance_sheet
Value: 55.87%
Peer Median: 71.88%
#863 of 1070 Bottom 19.4% in 100M-500M tier
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