BlastPoint's Credit Union Scorecard
CARPENTERS
Charter #24676 · MN
CARPENTERS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Total Members: Top 0.2% in tier
- + Members Per Employee (MPE): Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Member decline: -2.3% YoY
- - Average Member Relationship (AMR): Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.1% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits +2.9% year over year ($37.6M in shares and deposits).
- Membership: 15,286 members, -2.3% vs a year ago.
- Delinquency rate 1.01%.
- Return on assets 1.36%.
- Efficiency ratio 81.75% vs a 88.77% peer average.
- Loan-to-share ratio 50.66% vs a 58.89% 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 |
15,286
-2.3% YoY-0.6% QoQ
|
+12.7K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Top 0.2% in tier |
| Assets |
$44.3M
+3.8% YoY+0.9% QoQ
|
+$14.0M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$19.1M
-6.5% YoY-1.2% QoQ
|
+$3.6M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$37.6M
+2.9% YoY+0.8% QoQ
|
+$11.8M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
1.4%
-7.9% YoY-7.2% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
4.5%
-6.6% YoY+0.4% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
81.7%
+0.9% YoY+1.8% QoQ
|
-7.0% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
1.0%
+267.2% YoY+256.0% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
50.7%
-9.1% YoY-2.0% QoQ
|
-8.2% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$3,711
+1.9% YoY+0.7% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.6% in tier |
| CD Concentration |
3.5%
+36.8% YoY-9.5% QoQ
|
-21.1% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 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)