BlastPoint's Credit Union Scorecard
ST. PAUL
Charter #24358 · MN
ST. PAUL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.22% below tier average
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 -4.9% year over year ($215M in shares and deposits).
- Membership: 15,166 members, +2.0% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 0.65%.
- Efficiency ratio 80.08% vs a 76.73% peer average.
- Loan-to-share ratio 92.66% 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 |
15,166
+2.0% YoY+0.2% QoQ
|
-2 |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$252.1M
-2.0% YoY-3.6% QoQ
|
+$20.1M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$199.4M
+8.0% YoY+1.9% QoQ
|
+$53.1M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$215.2M
-4.9% YoY-5.9% QoQ
|
+$14.5M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.6%
-10.2% YoY+4.7% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.4%
+14.2% YoY+2.4% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
80.1%
+2.9% YoY-0.2% QoQ
|
+3.3% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.2%
+177.7% YoY+17.7% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Top 11.1% in tier |
| Loan To Share |
92.7%
+13.6% YoY+8.3% QoQ
|
+21.1% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$27,335
-1.2% YoY-2.4% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
22.9%
-8.1% YoY+7.0% QoQ
|
-1.6% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (7)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)