BlastPoint's Credit Union Scorecard

ST. PAUL

Charter #24358 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

ST. PAUL has 3 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Members Per Employee (MPE): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.11% below tier average
- Efficiency ratio 2.18% 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	15,143 +2.0% YoY+1.2% QoQ	-2	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	59%
Assets	$261.6M +1.7% YoY+1.2% QoQ	+$29.9M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	66%
Loans	$195.6M +5.7% YoY-0.5% QoQ	+$51.4M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	75%
Deposits	$228.6M +0.7% YoY+1.0% QoQ	+$27.5M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	65%

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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	0.6% -11.3% YoY-13.8% QoQ	-0.1%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	44%
NIM	3.3% +18.8% YoY+7.8% QoQ	-0.3%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	80.2% +2.8% YoY+1.5% QoQ	+2.2%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.2%	-0.6	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	Top 11.0% in tier
Loan To Share	85.6% +4.9% YoY-1.4% QoQ	+15.1%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	80%
AMR	$28,015 +1.0% YoY-0.8% QoQ	+$3K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	74%
CD Concentration	21.4% -18.7% YoY-3.4% QoQ	-2.8%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#193 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.62%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#230 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#439 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#288 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.69%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#396 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.21%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.97%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 488.484

Peer Median: 309.176

#72 of 1070 Top 6.6% in 100M-500M tier

119

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.61%

#119 of 1070 Top 11.0% in 100M-500M tier

196

Loan-to-Member Ratio (LMR)

engagement

Value: $12,917

Peer Median: $9,356

#196 of 1070 Top 18.2% in 100M-500M tier

213

Loan-to-Share Ratio

balance_sheet

Value: 85.55%

Peer Median: 71.88%

#213 of 1070 Top 19.8% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available