BlastPoint's Credit Union Scorecard

ST. PAUL

Charter #24358 · MN

1069 CUs in 100M-500M nationally 31 in MN

ST. PAUL has 5 strengths but faces 5 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

+ Organic Growth Engine: Top 73.9% in tier
+ Organic Growth Leader: Top 80.5% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 1.1% in tier
+ Members Per Employee (MPE): Top 4.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 85.7% in tier
- Credit Quality Pressure: Bottom 96.9% in tier
- Flatlined Growth: Bottom 97.5% in tier
- ROA 0.05% below tier average
- Efficiency ratio 1.99% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	14,969 +1.1% YoY0% QoQ	-468	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	58%
Assets	$258.6M +1.9% YoY-0.0% QoQ	+$26.7M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	66%
Loans	$196.5M +5.8% YoY+5.2% QoQ	+$49.1M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	74%
Deposits	$226.4M +0.9% YoY-0.2% QoQ	+$25.6M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	65%

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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	0.7% +71.9% YoY-15.3% QoQ	-0.0%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	46%
NIM	3.0% +18.2% YoY+2.0% QoQ	-0.6%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	20%
Efficiency Ratio	79.0% -5.4% YoY+1.3% QoQ	+2.0%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	56%
Delinquency Rate	0.0% +114.6% YoY-79.0% QoQ	-0.9	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	Bottom 1.1% in tier
Loan To Share	86.8% +4.9% YoY+5.4% QoQ	+14.6%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	78%
AMR	$28,250 +2.0% YoY+2.2% QoQ	+$4K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	76%
CD Concentration	22.2% -24.7% YoY-5.5% QoQ	-2.2%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#440 of 595 • Top 73.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.72%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#343 of 426 • Top 80.5% in tier

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

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#391 of 456 • Bottom 85.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.85%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#683 of 705 • Bottom 96.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Flatlined Growth

risk

#40 of 41 • Bottom 97.5% 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): 1.92%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.72%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | 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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 534.607

Peer Median: -

#45 of 1069 Top 4.1% in 100M-500M tier

190

Loan-to-Member Ratio (LMR)

engagement

Value: $13,126

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

233

Loan-to-Share Ratio

balance_sheet

Value: 86.79%

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

256

Average Member Relationship (AMR)

engagement

Value: $28,250

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (2 metrics)

855

Net Interest Margin (NIM)

profitability

Value: 3.05%

Peer Median: -

#855 of 1069 Bottom 20.1% in 100M-500M tier

828

Deposit Growth Rate

growth

Value: 0.93%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier