BlastPoint's Credit Union Scorecard
TRADES & LABOR
Charter #24674 · MN
TRADES & LABOR has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Net Interest Margin 0.67% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -5.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,184
-5.3% YoY-4.8% QoQ
|
-431 |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$22.0M
+7.3% YoY-0.1% QoQ
|
$-8.2M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$14.6M
-3.4% YoY-0.1% QoQ
|
$-1.1M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$18.5M
+6.6% YoY-0.3% QoQ
|
$-7.1M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
1.8%
-20.7% YoY-6.5% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Top 10.6% in tier |
| NIM |
4.6%
-2.1% YoY-0.1% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
66.0%
+2.5% YoY+5.5% QoQ
|
-16.6% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.5%
-29.7% YoY+60.5% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
79.0%
-9.4% YoY+0.2% QoQ
|
+18.4% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$15,194
+7.7% YoY+4.9% QoQ
|
+$411 |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
24.6%
-8.7% YoY-9.3% QoQ
|
+0.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)