BlastPoint's Credit Union Scorecard

FARM CREDIT EMPLOYEES

Charter #22132 · MN

<100M

2508 CUs in <100M nationally 38 in MN

FARM CREDIT EMPLOYEES has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Deposit Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.49% below tier average
- Efficiency ratio 19.35% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	1,406 +1.3% YoY-0.6% QoQ	-1.3K	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	39%
Assets	$18.3M +8.3% YoY-2.0% QoQ	$-11.9M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	46%
Loans	$13.1M +1.6% YoY-5.3% QoQ	$-2.2M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	58%
Deposits	$16.3M +9.8% YoY-2.0% QoQ	$-9.5M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	47%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.3% -169.1% YoY+545.8% QoQ	-0.5%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	Bottom 15.0% in tier
NIM	3.1% -23.5% YoY-6.8% QoQ	-0.9%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	110.0% +29.7% YoY+8.5% QoQ	+19.4%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	Bottom 9.5% in tier
Delinquency Rate	0.1% -55.2% QoQ	-1.4	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	23%
Loan To Share	80.7% -7.5% YoY-3.4% QoQ	+22.2%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	82%
AMR	$20,903 +4.6% YoY-2.9% QoQ	+$6K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	81%
CD Concentration	20.6% +6.9% YoY+13.5% QoQ	-3.7%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

220

Deposit Growth Rate

growth

Value: 9.80%

Peer Median: 0.66%

#220 of 2508 Top 8.7% in <100M tier

259

Loan-to-Member Ratio (LMR)

engagement

Value: $9,338

Peer Median: $4,923

#259 of 2508 Top 10.3% in <100M tier

270

Asset Growth Rate

growth

Value: 8.28%

Peer Median: 1.30%

#270 of 2508 Top 10.7% in <100M tier

436

Loan-to-Share Ratio

balance_sheet

Value: 80.75%

Peer Median: 58.72%

#436 of 2508 Top 17.3% in <100M tier

471

Average Member Relationship (AMR)

engagement

Value: $20,903

Peer Median: $13,926

#471 of 2508 Top 18.7% in <100M tier

535

Member Growth Rate

growth

Value: 1.30%

Peer Median: -1.37%

#535 of 2508 Top 21.3% in <100M tier

573

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.65%

#573 of 2508 Top 22.8% in <100M tier

Top Weaknesses (5 metrics)

2270

Efficiency Ratio

profitability

Value: 109.98%

Peer Median: 81.45%

#2270 of 2508 Bottom 9.5% in <100M tier

2132

Return on Assets (ROA)

profitability

Value: -0.35%

Peer Median: 0.61%

#2132 of 2508 Bottom 15.0% in <100M tier

2047

Net Charge-Off Rate

risk

Value: 0.78%

Peer Median: 0.07%

#2047 of 2508 Bottom 18.4% in <100M tier

1952

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: 3.83%

#1952 of 2508 Bottom 22.2% in <100M tier

1908

Net Worth Ratio

risk

Value: 10.91%

Peer Median: 14.28%

#1908 of 2508 Bottom 24.0% in <100M tier