BlastPoint's Credit Union Scorecard
ZIEGLER
Charter #5781 · MN
ZIEGLER has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio: Top 5.0% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.5% YoY
- - Fee Income Per Member: Bottom 4.1% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits -2.3% year over year ($3.2M in shares and deposits).
- Membership: 671 members, -5.5% vs a year ago.
- Delinquency rate 1.09%.
- Return on assets 1.72%.
- Efficiency ratio 51.26% vs a 88.77% peer average.
- Loan-to-share ratio 69.00% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
671
-5.5% YoY-1.8% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$4.3M
-0.3% YoY+1.3% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$2.2M
-19.2% YoY-6.1% QoQ
|
$-13.3M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$3.2M
-2.3% YoY+1.4% QoQ
|
$-22.6M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
1.7%
-11.7% YoY-17.3% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Top 14.9% in tier |
| NIM |
3.5%
-13.2% YoY-5.2% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
51.3%
+17.4% YoY+16.2% QoQ
|
-37.5% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
1.1%
+2.2% YoY+72.3% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
69.0%
-17.3% YoY-7.5% QoQ
|
+10.1% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$7,969
-4.7% YoY-0.1% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)