BlastPoint's Credit Union Scorecard

MAYO EMPLOYEES

Charter #24748 · MN

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

MAYO EMPLOYEES has 8 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
+ Organic Growth Engine: Top 45.2% in tier
+ Organic Growth Leader: Top 45.2% 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

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Minnesota.
Shares and deposits +3.8% year over year ($1.28B in shares and deposits).
Membership: 76,378 members, +2.4% vs a year ago.
Delinquency rate 0.05%.
Return on assets 1.78%.
Efficiency ratio 50.57% vs a 73.02% peer average.
Loan-to-share ratio 55.33% vs a 84.71% 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	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%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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