BlastPoint's Credit Union Scorecard
BUILDING TRADES
Charter #24414 · MN
BUILDING TRADES has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.3% in tier
- + Organic Growth Leader: Top 20.7% in tier
- + Wallet Share Momentum: Top 44.0% in tier
- + Credit Quality Leader: Top 47.8% in tier
- + Emerging Performer: Top 87.9% in tier
- + ROA 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
- + Loan Growth Rate: Top 4.7% in tier
- + Net Charge-Off Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.57% 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 |
18,860
+1.9% YoY+1.1% QoQ
|
+3.2K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$233.9M
+3.3% YoY+0.9% QoQ
|
+$2.6M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$130.0M
+17.8% YoY+0.6% QoQ
|
$-17.8M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$207.5M
+5.5% YoY+1.6% QoQ
|
+$7.2M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
0.8%
+69.0% YoY+3.6% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
3.5%
+13.4% YoY+0.6% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
79.8%
-6.6% YoY-0.4% QoQ
|
+2.6% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.2%
-91.8% YoY-91.0% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
62.7%
+11.6% YoY-0.9% QoQ
|
-10.0% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$17,895
+7.9% YoY+0.1% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
21.4%
-1.8% YoY+0.2% QoQ
|
-3.0% |
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 (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)