BlastPoint's Credit Union Scorecard

ST. PAUL

Charter #24358 · MN

1077 CUs in 100M-500M nationally 31 in MN

ST. PAUL has 7 strengths but faces 3 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

+ Credit Quality Leader: Top 19.8% in tier
+ Organic Growth Engine: Top 21.6% in tier
+ Organic Growth Leader: Top 27.3% in tier
+ ROA 0.06% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 5.6% in tier
+ Members Per Employee (MPE): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.7% in tier
- Flatlined Growth: Bottom 53.4% in tier
- Efficiency ratio 0.70% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	14,969 +1.1% YoY+0.7% QoQ	-659	15,628 -3.4% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	57%
Assets	$258.7M +1.8% YoY+0.6% QoQ	+$27.4M	$231.3M -0.0% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	66%
Loans	$186.8M -2.4% YoY+1.1% QoQ	+$39.0M	$147.8M -1.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	72%
Deposits	$226.9M +3.3% YoY+0.2% QoQ	+$26.6M	$200.3M -0.0% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	66%

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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	0.8% +92.3% YoY+17.3% QoQ	+0.1%	0.8% +15.5% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	56%
NIM	3.0% +17.3% YoY+1.5% QoQ	-0.6%	3.6% +6.9% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	19%
Efficiency Ratio	78.0% -5.3% YoY+0.2% QoQ	+0.7%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	54%
Delinquency Rate	0.1% +20.5% YoY+46.5% QoQ	-0.8	0.9% +7.6% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	Bottom 5.6% in tier
Loan To Share	82.3% -5.5% YoY+0.9% QoQ	+9.6%	72.7% -1.5% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	69%
AMR	$27,635 -0.4% YoY-0.1% QoQ	+$3K	$24,363 +2.9% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	75%
CD Concentration	23.5% -17.0% YoY-5.8% QoQ	-0.9%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#68 of 340 • Top 19.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.11%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Organic Growth Engine

growth

#396 of 603 • Top 21.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.84%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth

#361 of 430 • Top 27.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#686 of 736 • Bottom 27.7% 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: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Flatlined Growth

risk

#56 of 58 • Bottom 53.4% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.77%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.84%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 498.967

Peer Avg: -

#63 of 1077 Top 5.8% in 100M-500M tier

223

Loan-to-Member Ratio (LMR)

engagement

Value: $12,479

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

267

Average Member Relationship (AMR)

engagement

Value: $27,635

Peer Avg: -

#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

875

AMR Growth Rate

growth

Value: -0.43%

Peer Avg: -

#875 of 1077 Bottom 18.8% in 100M-500M tier

868

Net Interest Margin (NIM)

profitability

Value: 2.99%

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier

827

Loan Growth Rate

growth

Value: -2.41%

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier