BlastPoint's Credit Union Scorecard

MY

Charter #60125 · MN

1069 CUs in 100M-500M nationally 31 in MN

MY has 3 strengths but faces 11 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.06% above tier average
+ Total Loans: Top 5.0% in tier
+ Loan-to-Share Ratio: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.8% in tier
- Stagnation Risk: Bottom 9.6% in tier
- Membership Headwinds: Bottom 25.7% in tier
- Institutional Decline: Bottom 29.7% in tier
- Efficiency Drag: Bottom 49.2% in tier
- Liquidity Strain: Bottom 73.6% in tier
- ROA 1.07% below tier average
- Efficiency ratio 20.17% above tier (higher cost structure)
- Delinquency rate 0.73% above tier average
- Member decline: -4.7% YoY
- Asset Growth Rate: Bottom 2.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	22,579 -4.7% YoY+0.1% QoQ	+7.1K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	83%
Assets	$357.0M -5.2% YoY-3.8% QoQ	+$125.1M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	83%
Loans	$311.4M -3.0% YoY-2.1% QoQ	+$164.1M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	Top 5.1% in tier
Deposits	$326.4M -1.1% YoY-0.6% QoQ	+$125.6M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	Top 14.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.3% -269.4% YoY+158.2% QoQ	-1.1%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	Bottom 3.4% in tier
NIM	3.7% +6.0% YoY+3.3% QoQ	+0.1%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	53%
Efficiency Ratio	97.2% +0.5% YoY+1.7% QoQ	+20.2%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	Top 3.6% in tier
Delinquency Rate	1.6% +349.2% YoY+87.7% QoQ	+0.7	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	Top 11.5% in tier
Loan To Share	95.4% -1.9% YoY-1.6% QoQ	+23.2%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	Top 6.5% in tier
AMR	$28,250 +2.8% YoY-1.4% QoQ	+$4K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	76%
CD Concentration	16.9% +13.1% YoY-1.6% QoQ	-7.5%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.2% -26.5% YoY-8.2% QoQ	-13.6%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#21 of 705 • Bottom 2.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#54 of 554 • Bottom 9.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.69%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.97%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.62%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#143 of 554 • Bottom 25.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.69%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#72 of 240 • Bottom 29.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $356.95M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -4.69%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.97%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#265 of 538 • Bottom 49.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 97.19%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.49% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.69%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Strain

risk

#168 of 228 • Bottom 73.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.40%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.97%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $311.42M

Peer Median: -

#54 of 1069 Top 5.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.40%

Peer Median: -

#70 of 1069 Top 6.5% in 100M-500M tier

150

Total Deposits

balance_sheet

Value: $326.44M

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

156

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

161

Loan-to-Member Ratio (LMR)

engagement

Value: $13,792

Peer Median: -

#161 of 1069 Top 15.0% in 100M-500M tier

181

Total Members

engagement

Value: 22,579

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

185

Total Assets

balance_sheet

Value: $356.95M

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

255

Average Member Relationship (AMR)

engagement

Value: $28,250

Peer Median: -

#255 of 1069 Top 23.8% in 100M-500M tier

Top Weaknesses (9 metrics)

1043

Asset Growth Rate

growth

Value: -5.20%

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

1033

Return on Assets (ROA)

profitability

Value: -0.31%

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

1032

Efficiency Ratio

profitability

Value: 97.19%

Peer Median: -

#1032 of 1069 Bottom 3.6% in 100M-500M tier

952

Member Growth Rate

growth

Value: -4.69%

Peer Median: -

#952 of 1069 Bottom 11.0% in 100M-500M tier

947

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Median: -

#947 of 1069 Bottom 11.5% in 100M-500M tier

942

Deposit Growth Rate

growth

Value: -1.14%

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

900

First Mortgage Concentration (%)

balance_sheet

Value: 48.03%

Peer Median: -

#900 of 1069 Bottom 15.9% in 100M-500M tier

870

Loan Growth Rate

growth

Value: -2.97%

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier

830

Net Worth Ratio

risk

Value: 9.65%

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier