BlastPoint's Credit Union Scorecard
MAYO EMPLOYEES
Charter #24748 · MN
MAYO EMPLOYEES has 8 strengths but faces 3 concerns
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How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 0.0% in tier
- + Profitability Leader: Top 20.2% in tier
- + ROA 0.83% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.7% in tier
- + Net Charge-Off Rate: Top 0.7% in tier
- + Members Per Employee (MPE): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - First Mortgage Concentration (%): Bottom 3.9% in tier
- - Total Loans: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,015
+0.5% YoY+0.6% QoQ
|
-23.7K |
98,678
-1.9% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$1.5B
+5.2% YoY+1.9% QoQ
|
$-267.4M |
$1.7B
+0.5% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$697.7M
+1.0% YoY+0.3% QoQ
|
$-535.3M |
$1.2B
+0.5% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.9% in tier |
| Deposits |
$1.2B
+6.4% YoY+1.4% QoQ
|
$-204.6M |
$1.5B
+1.3% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
48% |
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| ROA |
1.5%
+85.1% YoY+5.9% QoQ
|
+0.8% |
0.7%
+13.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 5.6% in tier |
| NIM |
2.5%
+32.6% YoY+1.8% QoQ
|
-0.8% |
3.3%
+9.3% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.9% in tier |
| Efficiency Ratio |
54.1%
-20.7% YoY-3.0% QoQ
|
-19.9% |
74.0%
-10.9% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate |
0.0%
-56.0% YoY+19.0% QoQ
|
-0.8 |
0.8%
+6.1% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
55.8%
-5.0% YoY-1.0% QoQ
|
-29.4% |
85.2%
-0.8% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$25,960
+3.9% YoY+0.4% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
21.2%
+3.1% YoY+1.7% QoQ
|
-7.8% |
29.0%
+0.7% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
16% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)