BlastPoint's Credit Union Scorecard
EMBARRASS VERMILLION
Charter #4708 · MN
EMBARRASS VERMILLION has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.91% above tier average
- + Net Interest Margin 0.58% above tier average
- + Fee Income Per Member: Top 1.7% in tier
- + Total Loans: Top 4.6% in tier
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,836
+0.6% YoY-0.4% QoQ
|
+2.2K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Top 14.4% in tier |
| Assets |
$66.3M
+2.2% YoY+0.4% QoQ
|
+$36.1M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
Top 13.8% in tier |
| Loans |
$50.6M
+6.2% YoY+0.1% QoQ
|
+$35.3M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Top 4.7% in tier |
| Deposits |
$56.6M
+3.6% YoY+2.2% QoQ
|
+$30.8M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Top 14.3% in tier |
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| ROA |
2.1%
+45.6% YoY+37.0% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Top 5.7% in tier |
| NIM |
4.6%
-3.5% YoY-1.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
62.1%
-7.3% YoY-7.3% QoQ
|
-28.5% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
1.4%
-1.6% YoY-3.5% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
89.3%
+2.5% YoY-2.0% QoQ
|
+30.8% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 8.9% in tier |
| AMR |
$22,156
+4.1% YoY+1.6% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Top 15.0% in tier |
| CD Concentration |
16.4%
+0.2% YoY-11.8% QoQ
|
-7.9% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 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)