BlastPoint's Credit Union Scorecard
MAYO EMPLOYEES
Charter #24748 · MN
MAYO EMPLOYEES has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.6% in tier
- + Organic Growth Engine: Top 48.9% in tier
- + Organic Growth Leader: Top 48.9% in tier
- + ROA 1.11% above tier average
- + Total Delinquency Rate (60+ days): Top 0.3% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Members Per Employee (MPE): Top 1.3% in tier
- + Net Charge-Off Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 52.4% in tier
- - Credit Risk Growth: Bottom 68.7% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - Total Loans: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,879
+2.2% YoY+0.5% QoQ
|
-20.2K |
96,048
-2.7% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$1.5B
+8.1% YoY+4.7% QoQ
|
$-193.1M |
$1.7B
+0.4% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$698.2M
+2.5% YoY-1.1% QoQ
|
$-515.5M |
$1.2B
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.2% in tier |
| Deposits |
$1.3B
+6.8% YoY+5.0% QoQ
|
$-155.1M |
$1.5B
+0.5% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
1.8%
+32.1% YoY+18.0% QoQ
|
+1.1% |
0.7%
+27.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Top 2.0% in tier |
| NIM |
2.7%
+13.1% YoY+7.1% QoQ
|
-0.7% |
3.4%
+6.2% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
48.7%
-13.4% YoY-9.6% QoQ
|
-25.9% |
74.6%
-3.0% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Top 1.0% in tier |
| Delinquency Rate |
0.0%
-51.8% QoQ
|
-0.7 |
0.8%
+6.9% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 0.3% in tier |
| Loan To Share |
53.3%
-4.0% YoY-5.8% QoQ
|
-29.9% |
83.2%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.9% in tier |
| AMR |
$26,472
+3.0% YoY+2.2% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
20.4%
-3.6% YoY-5.4% QoQ
|
-8.4% | 28.8% | 22.6% | 19.8% | Bottom 14.9% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 6.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)