BlastPoint's Credit Union Scorecard

MID MINNESOTA

Charter #20194 · MN

Community 750M-1B

117 CUs in 750M-1B nationally 1 in MN

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MID MINNESOTA has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.34% above tier average
+ Net Interest Margin 0.39% above tier average
+ First Mortgage Concentration (%): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.6% in tier
- Indirect Auto Dependency: Bottom 17.9% in tier
- Credit Risk Growth: Bottom 21.8% in tier
- Credit Quality Pressure: Bottom 49.5% in tier
- Efficiency ratio 1.04% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	67,210 +4.3% YoY-0.4% QoQ	+15.7K	51,500 +0.7% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	Top 12.8% in tier
Assets	$833.9M +8.2% YoY+2.3% QoQ	$-31.7M	$865.6M +0.9% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	39%
Loans	$684.6M +8.8% YoY+1.5% QoQ	+$89.4M	$595.3M +1.6% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	77%
Deposits	$745.7M +7.5% YoY+4.0% QoQ	+$3.5M	$742.2M +0.6% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	53%

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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	1.1% +39.1% YoY+32.7% QoQ	+0.3%	0.8% +45.0% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	77%
NIM	3.8% +2.4% YoY+0.2% QoQ	+0.4%	3.5% +6.1% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	76.6% -3.1% YoY-0.1% QoQ	+1.0%	75.5% -3.4% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.4% +5.7% YoY-3.8% QoQ	-0.3	0.7% -0.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	30%
Loan To Share	91.8% +1.2% YoY-2.4% QoQ	+11.2%	80.6% +0.7% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	79%
AMR	$21,281 +3.7% YoY+3.2% QoQ	$-8K	$28,908 +0.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	17%
CD Concentration	29.0% -0.9% YoY-2.0% QoQ	+4.7%	24.3%	22.6%	19.8%	68%
Indirect Auto %	47.5% -2.8% YoY+0.4% QoQ	+33.7%	13.8%	6.4%	7.7%	Bottom 3.9% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#44 of 504 • Bottom 17.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.17%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 47.52%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.25%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk

#121 of 183 • Bottom 10.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.81%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.79%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Credit Risk Growth

risk

#325 of 476 • Bottom 21.8% in tier

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

Why This Signature

Loan Growth (YoY): 8.79%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#660 of 727 • Bottom 49.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (10 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 13.67%

Peer Median: 32.60%

#8 of 117 Top 6.0% in 750M-1B tier

Total Members

engagement

Value: 67,210

Peer Median: 51,712

#15 of 117 Top 12.0% in 750M-1B tier

Member Growth Rate

growth

Value: 4.25%

Peer Median: 0.97%

#24 of 117 Top 19.7% in 750M-1B tier

Asset Growth Rate

growth

Value: 8.17%

Peer Median: 4.88%

#25 of 117 Top 20.5% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 91.81%

Peer Median: 84.41%

#25 of 117 Top 20.5% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.10%

Peer Median: 0.63%

#27 of 117 Top 22.2% in 750M-1B tier

Total Loans

balance_sheet

Value: $684.64M

Peer Median: $618.21M

#27 of 117 Top 22.2% in 750M-1B tier

Loan Growth Rate

growth

Value: 8.79%

Peer Median: 4.33%

#29 of 117 Top 23.9% in 750M-1B tier

Deposit Growth Rate

growth

Value: 7.53%

Peer Median: 4.60%

#29 of 117 Top 23.9% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 375.475

Peer Median: 328.468

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (3 metrics)

115

Indirect Auto Concentration (%)

balance_sheet

Value: 47.52%

Peer Median: 13.79%

#115 of 117 Bottom 2.6% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $21,281

Peer Median: $26,209

#97 of 117 Bottom 17.9% in 750M-1B tier

Net Worth Ratio

risk

Value: 9.25%

Peer Median: 10.69%

#91 of 117 Bottom 23.1% in 750M-1B tier