BlastPoint's Credit Union Scorecard
MID MINNESOTA
Charter #20194 · MN
MID MINNESOTA has 4 strengths but faces 4 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
- + Organic Growth Engine: Top 47.3% in tier
- + ROA 0.08% above tier average
- + Net Interest Margin 0.44% above tier average
- + First Mortgage Concentration (%): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 11.7% in tier
- - Liquidity Strain: Bottom 41.9% in tier
- - Efficiency ratio 2.32% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,454
+4.8% YoY+1.4% QoQ
|
+15.4K |
52,084
-1.6% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 14.5% in tier |
| Assets |
$815.1M
+8.3% YoY+1.8% QoQ
|
$-48.8M |
$863.9M
+0.5% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$674.7M
+9.4% YoY+2.1% QoQ
|
+$68.8M |
$605.8M
+1.4% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$716.8M
+5.8% YoY+1.9% QoQ
|
$-20.5M |
$737.3M
+0.1% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
0.8%
+22.8% YoY-0.8% QoQ
|
+0.1% |
0.7%
+39.1% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.8%
+9.6% YoY+0.1% QoQ
|
+0.4% |
3.4%
+8.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
76.7%
-4.1% YoY-1.2% QoQ
|
+2.3% |
74.3%
-3.6% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.4%
-26.0% YoY+11.7% QoQ
|
-0.5 |
0.9%
+3.8% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
94.1%
+3.3% YoY+0.3% QoQ
|
+11.6% |
82.6%
+1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$20,629
+2.6% YoY+0.5% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
29.6%
-3.1% YoY+1.6% QoQ
|
+5.2% | 24.4% | 22.0% | 19.8% | 69% |
| Indirect Auto % |
47.3%
-2.0% YoY-1.4% QoQ
|
+33.5% | 13.8% | 6.5% | 7.8% | Top 4.0% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
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.
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)