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
- + Relationship Depth Leader: Top 6.4% in tier
- + Wallet Share Momentum: Top 14.5% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.6% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
- + AMR Growth Rate: Top 5.2% in tier
- + Deposit Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.6% in tier
- - Membership Headwinds: Bottom 71.2% in tier
- - Stagnation Risk: Bottom 94.9% in tier
- - ROA 1.00% below tier average
- - Efficiency ratio 22.06% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.4% in tier
- - Total Members: Bottom 3.2% in tier
- - Net Worth Ratio: Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,931
-1.6% YoY+0.4% QoQ
|
-10.5K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 3.1% in tier |
| Assets |
$181.7M
+9.0% YoY+6.7% QoQ
|
$-50.2M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$124.3M
+9.3% YoY+5.2% QoQ
|
$-23.0M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$170.0M
+12.9% YoY+7.3% QoQ
|
$-30.8M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
-0.2%
+347.6% YoY+2164.9% QoQ
|
-1.0% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.1% in tier |
| NIM |
3.6%
+13.0% YoY+0.5% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
99.1%
+18.3% YoY+4.5% QoQ
|
+22.1% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
0.4%
-14.9% YoY-4.5% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
73.1%
-3.2% YoY-1.9% QoQ
|
+0.9% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$59,686
+13.2% YoY+6.0% QoQ
|
+$35K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 1.4% in tier |
| CD Concentration |
19.4%
-2.7% YoY+2.3% QoQ
|
-5.0% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)