BlastPoint's Credit Union Scorecard
BUILDING TRADES
Charter #24414 · MN
BUILDING TRADES demonstrates 7 strengths
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
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.23% above tier average
- + Members Per Employee (MPE): Top 2.0% in tier
- + Loan Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 +6.4% year over year ($217M in shares and deposits).
- Membership: 19,329 members, +3.6% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 1.09%.
- Efficiency ratio 71.36% vs a 76.73% peer average.
- Loan-to-share ratio 71.17% 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 |
19,329
+3.6% YoY+1.7% QoQ
|
+4.2K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$249.9M
+7.7% YoY+2.0% QoQ
|
+$17.9M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$154.8M
+19.8% YoY+5.4% QoQ
|
+$8.5M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$217.5M
+6.4% YoY+1.2% QoQ
|
+$16.7M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
1.1%
+38.7% YoY-2.2% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
3.6%
+4.1% YoY-0.1% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
71.4%
-11.0% YoY-0.7% QoQ
|
-5.4% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.3%
-88.3% YoY-36.9% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
71.2%
+12.5% YoY+4.1% QoQ
|
-0.4% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$19,257
+7.7% YoY+1.2% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
23.3%
+8.7% YoY+5.0% QoQ
|
-1.3% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (4)
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 (<15%). 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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)