BlastPoint's Credit Union Scorecard

MAYO EMPLOYEES

Charter #24748 · MN

Mid-Market 1B-3B

Mayo Employees at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Mayo Employees is one of 101 credit unions in the 2026 VentureTech card set. We also found Mayo Employees's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Mayo Employees

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MAYO EMPLOYEES
PEER · AT VENTURETECH
PEER · AT VENTURETECH
MAYO EMPLOYEES'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 6 in MN

View Mid-Market leaderboard →

MAYO EMPLOYEES has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 3.5% in tier
+ ROA 0.96% above tier average
+ Total Delinquency Rate (60+ days): Top 0.7% in tier
+ Efficiency Ratio: Top 1.3% in tier
+ Net Charge-Off Rate: Top 1.3% in tier
+ Members Per Employee (MPE): Top 1.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 54.0% in tier
- Credit Risk Growth: Bottom 74.7% in tier
- First Mortgage Concentration (%): Bottom 3.3% in tier
- Loan-to-Share Ratio: Bottom 5.0% in tier
- Total Loans: Bottom 7.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.7% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	76,378 +2.4% YoY+0.7% QoQ	-20.5K	96,861 -1.9% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	37%
Assets	$1.5B +5.3% YoY-1.8% QoQ	$-224.3M	$1.7B +0.4% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	48%
Loans	$708.1M +1.8% YoY+1.4% QoQ	$-526.1M	$1.2B +0.7% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	Bottom 6.7% in tier
Deposits	$1.3B +3.8% YoY-2.3% QoQ	$-183.4M	$1.5B +0.5% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% +23.1% YoY-2.3% QoQ	+1.0%	0.8% +27.6% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	Top 3.7% in tier
NIM	2.8% +13.5% YoY+2.7% QoQ	-0.7%	3.4% +6.6% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	Bottom 13.0% in tier
Efficiency Ratio	50.6% -9.3% YoY+3.9% QoQ	-22.5%	73.0% -2.7% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	Top 1.3% in tier
Delinquency Rate	0.0%	-0.8	0.9% +7.3% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	Top 0.7% in tier
Loan To Share	55.3% -1.9% YoY+3.8% QoQ	-29.4%	84.7% +0.1% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	Bottom 4.7% in tier
AMR	$26,030 +0.7% YoY-1.7% QoQ	$-4K	$29,575 +1.5% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	36%
CD Concentration	21.5% +3.3% YoY+5.4% QoQ	-7.6%	29.1%	21.9%	20.0%	18%
Indirect Auto %	0.0%	-18.1%	18.1%	6.4%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#11 of 113 • Top 45.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.44%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.78%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Emerging Performer

growth

#25 of 82 • Top 3.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.78%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.44%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth

#76 of 112 • Top 45.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.44%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Concerns (2)

Credit Quality Pressure

risk

#201 of 215 • Bottom 54.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#168 of 170 • Bottom 74.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.84%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 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 300 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.70%

#3 of 300 Top 0.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 50.57%

Peer Median: 73.62%

#5 of 300 Top 1.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.52%

#5 of 300 Top 1.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 574.271

Peer Median: 346.173

#5 of 300 Top 1.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.78%

Peer Median: 0.77%

#11 of 300 Top 3.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.90%

Peer Median: 10.91%

#33 of 300 Top 10.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.52%

Peer Median: 28.24%

#57 of 300 Top 18.7% in 1B-3B tier

Top Weaknesses (5 metrics)

291

First Mortgage Concentration (%)

balance_sheet

Value: 64.39%

Peer Median: 33.59%

#291 of 300 Bottom 3.3% in 1B-3B tier

286

Loan-to-Share Ratio

balance_sheet

Value: 55.33%

Peer Median: 87.07%

#286 of 300 Bottom 5.0% in 1B-3B tier

280

Total Loans

balance_sheet

Value: $708.15M

Peer Median: $1.14B

#280 of 300 Bottom 7.0% in 1B-3B tier

272

Loan-to-Member Ratio (LMR)

engagement

Value: $9,272

Peer Median: $12,809

#272 of 300 Bottom 9.7% in 1B-3B tier

261

Net Interest Margin (NIM)

profitability

Value: 2.77%

Peer Median: 3.46%

#261 of 300 Bottom 13.3% in 1B-3B tier