BlastPoint's Credit Union Scorecard
TRIBE
Charter #24960 · MN
<100M
2508 CUs in <100M nationally
38 in MN
TRIBE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9700.0% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.1% in tier
- + Fee Income Per Member: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 3.48% below tier average
- - Efficiency ratio 62.40% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
- - Share Certificate Concentration (%): Bottom 0.1% in tier
- - Total Members: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 2.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98
+9700.0% YoY+276.9% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 1.1% in tier |
| Assets |
$2.4M
+435.6% YoY+154.1% QoQ
|
$-27.8M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.8% in tier |
| Loans | $223,602 | $-15.1M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.3% in tier |
| Deposits |
$1.8M
+460.1% QoQ
|
$-24.0M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.7% in tier |
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| ROA |
-3.3%
-101.8% YoY-112.0% QoQ
|
-3.5% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.9% in tier |
| NIM |
1.9%
+9.3% YoY+18.5% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
153.0%
+66410.3% YoY+1779.4% QoQ
|
+62.4% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.8% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share | 12.4% | -46.1% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.4% in tier |
| AMR |
$20,624
+67.1% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration | 96.1% | +71.8% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
2
Asset Growth Rate
growth
Value:
435.63%
Peer Median: 1.30%
#2 of 2508
Top 0.1% in <100M tier
3
Member Growth Rate
growth
Value:
9700.00%
Peer Median: -1.37%
#3 of 2508
Top 0.1% in <100M tier
6
Fee Income Per Member
profitability
Value:
$1,021
Peer Median: $60.42
#6 of 2508
Top 0.2% in <100M tier
257
Net Worth Ratio
risk
Value:
25.37%
Peer Median: 14.28%
#257 of 2508
Top 10.2% in <100M tier
492
Average Member Relationship (AMR)
engagement
Value:
$20,624
Peer Median: $13,926
#492 of 2508
Top 19.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (14 metrics)
2508
Loan Growth Rate
growth
Value:
-
Peer Median: -2.36%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
Deposit Growth Rate
growth
Value:
-
Peer Median: 0.66%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
AMR Growth Rate
growth
Value:
-
Peer Median: 1.27%
#2508 of 2508
Bottom 0.1% in <100M tier
2506
Share Certificate Concentration (%)
balance_sheet
Value:
96.05%
Peer Median: 12.45%
#2506 of 2508
Bottom 0.1% in <100M tier
2479
Total Members
engagement
Value:
98
Peer Median: 1,918
#2479 of 2508
Bottom 1.2% in <100M tier
2447
Loan-to-Share Ratio
balance_sheet
Value:
12.44%
Peer Median: 58.72%
#2447 of 2508
Bottom 2.5% in <100M tier
2439
Efficiency Ratio
profitability
Value:
153.03%
Peer Median: 81.45%
#2439 of 2508
Bottom 2.8% in <100M tier
2435
Return on Assets (ROA)
profitability
Value:
-3.33%
Peer Median: 0.61%
#2435 of 2508
Bottom 3.0% in <100M tier
2425
Net Interest Margin (NIM)
profitability
Value:
1.93%
Peer Median: 3.83%
#2425 of 2508
Bottom 3.3% in <100M tier
2399
Total Loans
balance_sheet
Value:
$223,602
Peer Median: $9.48M
#2399 of 2508
Bottom 4.4% in <100M tier