BlastPoint's Credit Union Scorecard
TRIBE
Charter #24960 · MN
<100M
2437 CUs in <100M nationally
37 in MN
TRIBE has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 8.26% above tier average
- + Strong member growth: 14600.0% 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 0.1% in tier
- + Efficiency Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.1% in tier
- - AMR Growth Rate: Bottom 0.1% in tier
- - Total Members: Bottom 2.9% in tier
- - Members Per Employee (MPE): Bottom 3.4% in tier
- - Total Loans: Bottom 8.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
147
+14600.0% YoY+50.0% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 2.8% in tier |
| Assets |
$2.7M
+478.6% YoY+13.1% QoQ
|
$-27.6M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.5% in tier |
| Loans |
$571,751
+155.7% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.4% in tier |
| Deposits |
$2.0M
+9.7% QoQ
|
$-23.8M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.1% in tier |
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| ROA |
9.8%
-88.1% YoY-393.1% QoQ
|
+8.3% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Top 0.7% in tier |
| NIM |
3.0%
+149.5% YoY+53.6% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
35.5%
+15293.6% YoY-76.8% QoQ
|
-53.3% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
29.0%
+133.0% QoQ
|
-29.9% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.4% in tier |
| AMR |
$17,307
-16.1% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
0.1%
-99.9% QoQ
|
-24.4% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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 (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.70%
#1 of 2437
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2437
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.59%
#1 of 2437
Top 0.1% in <100M tier
2
Asset Growth Rate
growth
Value:
478.63%
Peer Median: 1.25%
#2 of 2437
Top 0.1% in <100M tier
3
Member Growth Rate
growth
Value:
14600.00%
Peer Median: -1.37%
#3 of 2437
Top 0.1% in <100M tier
4
Fee Income Per Member
profitability
Value:
$2,358
Peer Median: $63.89
#4 of 2437
Top 0.1% in <100M tier
17
Return on Assets (ROA)
profitability
Value:
9.75%
Peer Median: 0.81%
#17 of 2437
Top 0.7% in <100M tier
23
Efficiency Ratio
profitability
Value:
35.46%
Peer Median: 80.65%
#23 of 2437
Top 0.9% in <100M tier
183
Net Worth Ratio
risk
Value:
27.88%
Peer Median: 14.28%
#183 of 2437
Top 7.5% in <100M tier
343
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.18%
#343 of 2437
Top 14.0% in <100M tier
Top Weaknesses (10 metrics)
2437
Loan Growth Rate
growth
Value:
-
Peer Median: -2.63%
#2437 of 2437
Bottom 0.1% in <100M tier
2437
Deposit Growth Rate
growth
Value:
-
Peer Median: 0.92%
#2437 of 2437
Bottom 0.1% in <100M tier
2437
AMR Growth Rate
growth
Value:
-
Peer Median: 1.04%
#2437 of 2437
Bottom 0.1% in <100M tier
2368
Total Members
engagement
Value:
147
Peer Median: 1,902
#2368 of 2437
Bottom 2.9% in <100M tier
2356
Members Per Employee (MPE)
engagement
Value:
29.400
Peer Median: 328.333
#2356 of 2437
Bottom 3.4% in <100M tier
2233
Total Loans
balance_sheet
Value:
$571,751
Peer Median: $9.49M
#2233 of 2437
Bottom 8.4% in <100M tier
2182
Loan-to-Share Ratio
balance_sheet
Value:
28.99%
Peer Median: 58.67%
#2182 of 2437
Bottom 10.5% in <100M tier
2166
Total Deposits
balance_sheet
Value:
$1.97M
Peer Median: $18.69M
#2166 of 2437
Bottom 11.2% in <100M tier
2156
Total Assets
balance_sheet
Value:
$2.72M
Peer Median: $21.91M
#2156 of 2437
Bottom 11.6% in <100M tier
2056
Net Interest Margin (NIM)
profitability
Value:
2.96%
Peer Median: 3.87%
#2056 of 2437
Bottom 15.7% in <100M tier