BlastPoint's Credit Union Scorecard

SOUTH METRO

Charter #24482 · MN

100M-500M

1024 CUs in 100M-500M nationally 31 in MN

SOUTH METRO has 8 strengths but faces 8 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.16% above tier average
+ Strong member growth: 18.9% YoY
+ Fee Income Per Member: Top 0.5% in tier
+ Member Growth Rate: Top 1.4% in tier
+ Loan Growth Rate: Top 1.4% in tier
+ Loan-to-Member Ratio (LMR): Top 1.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- ROA 0.82% below tier average
- Efficiency ratio 19.26% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.5% in tier
- Net Worth Ratio: Bottom 3.7% in tier
- Total Members: Bottom 5.7% in tier

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 +7.4% year over year ($173M in shares and deposits).
Membership: 5,819 members, +18.9% vs a year ago.
Delinquency rate 0.50%.
Return on assets 0.04%.
Efficiency ratio 95.99% vs a 76.73% peer average.
Loan-to-share ratio 82.47% 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	5,819 +18.9% YoY-4.1% QoQ	-9.3K	15,168 -2.6% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	Bottom 5.6% in tier
Assets	$184.8M +6.4% YoY+0.8% QoQ	$-47.2M	$232.0M +0.7% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	45%
Loans	$142.9M +26.4% YoY+9.0% QoQ	$-3.4M	$146.3M +0.2% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	58%
Deposits	$173.3M +7.4% YoY+0.9% QoQ	$-27.4M	$200.7M +0.2% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -151.2% YoY-65.1% QoQ	-0.8%	0.9% +12.5% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	Bottom 1.5% in tier
NIM	3.8% +12.0% YoY+5.6% QoQ	+0.2%	3.7% +4.5% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	62%
Efficiency Ratio	96.0% -0.1% YoY+3.9% QoQ	+19.3%	76.7% -0.8% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	Bottom 3.3% in tier
Delinquency Rate	0.5% -36.0% YoY+135.6% QoQ	-0.4	0.9% +6.6% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	36%
Loan To Share	82.5% +17.7% YoY+8.0% QoQ	+10.9%	71.5% -0.3% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	71%
AMR	$54,334 -3.1% YoY+8.9% QoQ	+$29K	$25,107 +3.2% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	Top 2.0% in tier
CD Concentration	18.0% -0.2% YoY-3.8% QoQ	-6.6%	24.6%	21.9%	20.0%	50%
Indirect Auto %	14.9% +208.8% QoQ	+1.3%	13.6%	6.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#8 of 342 • 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): 18.95%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 14.92%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#250 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 18.95%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.04%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 14.92%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk

#166 of 531 • 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: 95.99%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 18.95%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#92 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.11%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Wealth Migration Risk

decline

#9 of 13 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $54.3K

(Tier: $25.7K, National: $20.0K)

but better than tier avg

AMR Growth (YoY): -3.11%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

13 of 1024 Mid-Small & Community CUs have this signature | 24 nationally

↓ Shrinking -13 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 1024 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $589.31

Peer Median: $159.88

#6 of 1024 Top 0.5% in 100M-500M tier

Member Growth Rate

growth

Value: 18.95%

Peer Median: -0.03%

#15 of 1024 Top 1.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 26.43%

Peer Median: 3.02%

#15 of 1024 Top 1.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $24,557

Peer Median: $9,434

#18 of 1024 Top 1.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $54,334

Peer Median: $23,006

#20 of 1024 Top 1.9% in 100M-500M tier

190

Deposit Growth Rate

growth

Value: 7.42%

Peer Median: 3.58%

#190 of 1024 Top 18.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1020

Members Per Employee (MPE)

engagement

Value: 149.205

Peer Median: 310.924

#1020 of 1024 Bottom 0.5% in 100M-500M tier

1009

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: 0.75%

#1009 of 1024 Bottom 1.6% in 100M-500M tier

991

Efficiency Ratio

profitability

Value: 95.99%

Peer Median: 77.26%

#991 of 1024 Bottom 3.3% in 100M-500M tier

987

Net Worth Ratio

risk

Value: 8.09%

Peer Median: 11.71%

#987 of 1024 Bottom 3.7% in 100M-500M tier

967

Total Members

engagement

Value: 5,819

Peer Median: 13,128

#967 of 1024 Bottom 5.7% in 100M-500M tier

951

AMR Growth Rate

growth

Value: -3.11%

Peer Median: 3.53%

#951 of 1024 Bottom 7.2% in 100M-500M tier