BlastPoint's Credit Union Scorecard
HOME TOWN
Charter #21669 · MN
HOME TOWN has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 53.9% in tier
- + ROA 0.58% above tier average
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 21.4% in tier
- - Shrinking Wallet Share: Bottom 53.6% in tier
- - Loan Growth Rate: Bottom 7.5% in tier
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
- - AMR Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,751
+1.9% YoY+0.3% QoQ
|
+10.3K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 11.1% in tier |
| Assets |
$286.2M
+6.3% YoY+1.9% QoQ
|
+$54.4M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$190.8M
-6.7% YoY+1.5% QoQ
|
+$43.4M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$256.4M
+4.6% YoY+1.2% QoQ
|
+$55.6M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.3%
+1054.7% YoY-7.9% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Top 14.6% in tier |
| NIM |
3.7%
+13.2% YoY+0.7% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
65.1%
-17.9% YoY+3.3% QoQ
|
-11.9% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
0.6%
-33.2% YoY+24.6% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
74.4%
-10.8% YoY+0.3% QoQ
|
+2.2% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$17,365
-2.4% YoY+1.0% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
26.7%
-8.9% YoY-4.7% QoQ
|
+2.3% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
39.6%
-12.1% YoY-6.0% QoQ
|
+25.8% | 13.8% | 6.5% | 7.8% | 50% |
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)