BlastPoint's Credit Union Scorecard
ZIEGLER
Charter #5781 · MN
ZIEGLER has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
- - Fee Income Per Member: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
690
-3.6% YoY-2.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$4.4M
-3.5% YoY+0.2% QoQ
|
$-25.8M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.5M
-8.7% YoY-6.4% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.2M
-6.5% YoY-1.4% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
1.5%
-24.6% YoY-17.8% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
4.0%
+1.2% YoY-3.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
52.6%
+24.5% YoY+22.1% QoQ
|
-30.0% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
0.6%
+19.5% YoY-45.7% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
77.0%
-2.4% YoY-5.0% QoQ
|
+16.4% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$8,198
-4.0% YoY-1.6% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 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)