BlastPoint's Credit Union Scorecard
EMBARRASS VERMILLION
Charter #4708 · MN
EMBARRASS VERMILLION has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.02% above tier average
- + Net Interest Margin 0.74% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 5.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.9% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
- + Asset Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.42% above tier average
- - First Mortgage Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,856
+1.3% YoY+0.5% QoQ
|
+2.2K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
85% |
| Assets |
$65.8M
+9.5% YoY+1.0% QoQ
|
+$35.9M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.0% in tier |
| Loans |
$50.7M
+10.0% YoY+1.8% QoQ
|
+$34.9M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 5.2% in tier |
| Deposits |
$55.1M
+8.7% YoY+0.8% QoQ
|
+$29.6M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
85% |
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| ROA |
1.7%
-21.9% YoY+10.2% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 14.6% in tier |
| NIM |
4.7%
-11.3% YoY+1.5% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
64.4%
+7.8% YoY-3.2% QoQ
|
-17.0% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.9%
+34.2% YoY+26.0% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
92.1%
+1.2% YoY+1.0% QoQ
|
+30.9% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$21,786
+8.0% YoY+0.8% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 14.8% in tier |
| CD Concentration |
18.0%
+121.4% YoY+5.7% QoQ
|
-6.4% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)