BlastPoint's Credit Union Scorecard
HOME TOWN
Charter #21669 · MN
HOME TOWN has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.6% 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 +4.5% year over year ($263M in shares and deposits).
- Membership: 26,178 members, +1.9% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 1.14%.
- Efficiency ratio 70.47% vs a 76.73% peer average.
- Loan-to-share ratio 75.63% 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 |
26,178
+1.9% YoY+2.4% QoQ
|
+11.0K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Top 10.2% in tier |
| Assets |
$293.3M
+5.3% YoY-0.8% QoQ
|
+$61.3M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$198.5M
+4.4% YoY+1.6% QoQ
|
+$52.3M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$262.5M
+4.5% YoY-1.0% QoQ
|
+$61.8M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
1.1%
-36.4% YoY+20.8% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
4.0%
+10.0% YoY+1.5% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
70.5%
+18.2% YoY-2.4% QoQ
|
-6.3% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.6%
-13.8% YoY-4.9% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
75.6%
-0.1% YoY+2.6% QoQ
|
+4.1% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$17,612
+2.5% YoY-2.2% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
25.7%
-8.6% YoY-1.8% QoQ
|
+1.1% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
38.3%
-13.7% YoY+0.5% QoQ
|
+24.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)