BlastPoint's Credit Union Scorecard
MID MINNESOTA
Charter #20194 · MN
MID MINNESOTA has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.32% above tier average
- + First Mortgage Concentration (%): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.6% in tier
- - Liquidity Strain: Bottom 13.1% in tier
- - Credit Risk Growth: Bottom 20.0% in tier
- - Credit Quality Pressure: Bottom 49.9% in tier
- - Efficiency ratio 1.29% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.7% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Minnesota.
- Shares and deposits +9.8% year over year ($767M in shares and deposits).
- Membership: 68,450 members, +4.4% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 1.17%.
- Efficiency ratio 75.82% vs a 74.54% peer average.
- Loan-to-share ratio 92.28% vs a 82.60% 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 |
68,450
+4.4% YoY+1.8% QoQ
|
+16.0K |
52,482
+1.3% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Top 11.7% in tier |
| Assets |
$858.0M
+10.2% YoY+2.9% QoQ
|
$-6.0M |
$863.9M
+0.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$707.7M
+9.2% YoY+3.4% QoQ
|
+$99.9M |
$607.8M
+2.1% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$766.9M
+9.8% YoY+2.8% QoQ
|
+$27.0M |
$739.9M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
66% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+59.2% YoY+6.2% QoQ
|
+0.3% |
0.8%
+30.4% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.8%
+0.5% YoY-0.4% QoQ
|
+0.3% |
3.5%
+6.2% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
75.8%
-4.0% YoY-1.0% QoQ
|
+1.3% |
74.5%
-1.4% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.4%
+4.6% YoY+9.9% QoQ
|
-0.4 |
0.8%
+1.0% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
92.3%
-0.6% YoY+0.5% QoQ
|
+9.7% |
82.6%
+1.9% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$21,542
+4.9% YoY+1.2% QoQ
|
$-7K |
$28,702
+0.4% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
28.0%
-5.5% YoY-3.5% QoQ
|
+3.4% | 24.6% | 21.9% | 20.0% | 64% |
| Indirect Auto % |
47.3%
-3.2% YoY-0.5% QoQ
|
+33.7% | 13.6% | 6.4% | 7.7% | Bottom 4.1% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)