BlastPoint's Credit Union Scorecard

TRIBE

Charter #24960 · MN

2556 CUs in <100M nationally 38 in MN

TRIBE has 8 strengths but faces 15 concerns

National Analysis

How does the industry compare?
MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 27.23% above tier average
  • + Strong member growth: 2500.0% YoY
  • + Fee Income Per Member: Top 0.0% in tier
  • + Asset Growth Rate: Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 0.0% in tier
  • + Efficiency Ratio: Top 0.2% in tier
  • + Net Worth Ratio: Top 0.4% in tier

Key Concerns

Areas that may need attention

  • - Loan Growth Rate: Bottom 0.0% in tier
  • - Deposit Growth Rate: Bottom 0.0% in tier
  • - AMR Growth Rate: Bottom 0.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
  • - Net Charge-Off Rate: Bottom 0.0% in tier
  • - Indirect Auto Concentration (%): Bottom 0.0% in tier
  • - First Mortgage Concentration (%): Bottom 0.0% in tier
  • - Total Members: Bottom 0.2% in tier
  • - Total Loans: Bottom 0.5% in tier
  • - Loan-to-Share Ratio: Bottom 0.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
  • - Net Interest Margin (NIM): Bottom 2.1% in tier
  • - Total Deposits: Bottom 2.6% in tier
  • - Members Per Employee (MPE): Bottom 3.4% in tier
  • - Total Assets: Bottom 5.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 26
+2500.0% YoY+2500.0% QoQ
 -2.6K 2,615
-1.9% YoY
 26,823
+5.6% YoY
 33,374
+5.7% YoY
 Bottom 0.1% in tier
Assets $948,210
+228.1% YoY+58.3% QoQ
 $-29.2M $30.1M
+2.1% YoY
 $530.2M
+9.2% YoY
 $561.6M
+9.7% YoY
 Bottom 4.9% in tier
Loans $0.0 $-15.8M $15.8M
-1.3% YoY
 $377.5M
+9.0% YoY
 $397.0M
+8.8% YoY
 Bottom 0.0% in tier
Deposits $320,918 $-25.4M $25.7M
+1.4% YoY
 $437.6M
+9.7% YoY
 $477.3M
+9.7% YoY
 Bottom 2.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 27.9%
-2708.0% YoY-40.4% QoQ
 +27.2% 0.6%
+10.8% YoY
 1.0%
-42.4% YoY
 0.7%
+15.9% YoY
 Top 0.2% in tier
NIM 1.6%
-5.7% QoQ
 -2.3% 4.0%
+4.0% YoY
 3.7%
+8.9% YoY
 3.8%
+5.1% YoY
 Bottom 2.0% in tier
Efficiency Ratio 8.1%
+141.4% QoQ
 -74.4% 82.6%
-2.3% YoY
 75.5%
-2.5% YoY
 79.7%
-3.3% YoY
 Bottom 0.2% in tier
Delinquency Rate - - 1.6%
-3.1% YoY
 0.9%
+7.2% YoY
 1.3%
-2.1% YoY
 -
Loan To Share 0.0% -60.6% 60.6%
-3.1% YoY
 75.7%
-1.2% YoY
 67.4%
-1.7% YoY
 Bottom 0.0% in tier
AMR $12,343 $-2K $14,783
-1.4% YoY
 $23,721
+5.3% YoY
 $19,687
+2.0% YoY
 41%
CD Concentration 0.0% -24.4% 24.4% 22.0% 19.8% 50%
Indirect Auto % - - 13.8% 6.5% 7.8% -

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)

Comparing against 2556 peers in tier

Top Strengths (7 metrics)

1
Fee Income Per Member
profitability
Value: $8,539
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Asset Growth Rate
growth
Value: 228.09%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
2
Member Growth Rate
growth
Value: 2500.00%
Peer Median: -
#2 of 2556 Top 0.0% in <100M tier
4
Return on Assets (ROA)
profitability
Value: 27.85%
Peer Median: -
#4 of 2556 Top 0.1% in <100M tier
5
Efficiency Ratio
profitability
Value: 8.14%
Peer Median: -
#5 of 2556 Top 0.2% in <100M tier
10
Net Worth Ratio
risk
Value: 66.05%
Peer Median: -
#10 of 2556 Top 0.4% in <100M tier

Top Weaknesses (15 metrics)

2556
Loan Growth Rate
growth
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Deposit Growth Rate
growth
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
AMR Growth Rate
growth
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Total Delinquency Rate (60+ days)
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Net Charge-Off Rate
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Indirect Auto Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
First Mortgage Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2553
Total Members
engagement
Value: 26
Peer Median: -
#2553 of 2556 Bottom 0.2% in <100M tier
2544
Total Loans
balance_sheet
Value: $0.00
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
2544
Loan-to-Share Ratio
balance_sheet
Value: 0.00%
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
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