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
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.39% above tier average
- + Members Per Employee (MPE): Top 2.1% in tier
- + Loan Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,005
+3.3% YoY+0.5% QoQ
|
+3.9K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$244.9M
+6.5% YoY+2.1% QoQ
|
+$13.2M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$146.8M
+23.6% YoY+4.8% QoQ
|
+$2.7M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$214.8M
+5.4% YoY+1.0% QoQ
|
+$13.7M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
63% |
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| ROA |
1.1%
+50.4% YoY+33.1% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
3.6%
+5.2% YoY+3.1% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
71.9%
-12.1% YoY-9.2% QoQ
|
-6.2% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.5%
-83.4% YoY-48.0% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
68.3%
+17.2% YoY+3.8% QoQ
|
-2.1% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$19,029
+8.5% YoY+2.1% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
22.1%
+7.4% YoY+4.3% QoQ
|
-2.1% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
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)