BlastPoint's Credit Union Scorecard
SOUTH METRO
Charter #24482 · MN
SOUTH METRO has 8 strengths but faces 8 concerns
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
- + Strong member growth: 22.4% YoY
- + Fee Income Per Member: Top 0.4% in tier
- + Member Growth Rate: Top 1.9% in tier
- + Average Member Relationship (AMR): Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Loan Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 14.39% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 2.6% in tier
- - Net Worth Ratio: Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,068
+22.4% YoY+23.1% QoQ
|
-9.1K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$183.4M
+8.5% YoY+0.9% QoQ
|
$-48.3M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$131.0M
+15.8% YoY+5.4% QoQ
|
$-13.1M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$171.7M
+8.9% YoY+1.0% QoQ
|
$-29.5M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
50% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-290.0% YoY-151.8% QoQ
|
-0.6% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.7% in tier |
| NIM |
3.6%
+5.4% YoY+2.4% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
92.4%
-6.6% YoY-6.7% QoQ
|
+14.4% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate |
0.2%
-60.2% YoY-43.3% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 14.0% in tier |
| Loan To Share |
76.3%
+6.3% YoY+4.4% QoQ
|
+5.9% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$49,887
-8.7% YoY-16.4% QoQ
|
+$25K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Top 2.6% in tier |
| CD Concentration |
18.7%
-1.3% YoY-3.5% QoQ
|
-5.6% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 4.8% | -9.0% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)