BlastPoint's Credit Union Scorecard
BUILDING TRADES
Charter #24414 · MN
BUILDING TRADES has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 31.2% in tier
- + Organic Growth Engine: Top 50.5% in tier
- + Organic Growth Leader: Top 65.2% in tier
- + Emerging Performer: Top 84.5% in tier
- + ROA 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.2% in tier
- + Loan Growth Rate: Top 2.6% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.15% 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 |
18,919
+1.8% YoY+0.3% QoQ
|
+3.5K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$239.8M
+4.7% YoY+2.5% QoQ
|
+$7.9M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$140.1M
+22.4% YoY+7.7% QoQ
|
$-7.3M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$212.7M
+5.5% YoY+2.5% QoQ
|
+$11.9M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.8%
+50.6% YoY+2.7% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.5%
+12.5% YoY+0.5% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
79.2%
-4.7% YoY-0.9% QoQ
|
+2.1% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.9%
-67.9% YoY+293.9% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
65.9%
+16.1% YoY+5.1% QoQ
|
-6.4% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$18,644
+9.6% YoY+4.2% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
21.2%
+2.3% YoY-1.0% QoQ
|
-3.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
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)