BlastPoint's Credit Union Scorecard

MY

Charter #60125 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

MY has 2 strengths but faces 8 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

+ Total Loans: Top 5.2% in tier
+ Loan-to-Share Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.70% below tier average
- Efficiency ratio 16.96% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	22,316 -4.7% YoY-1.2% QoQ	+7.2K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	84%
Assets	$371.3M -2.6% YoY+4.0% QoQ	+$139.6M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	Top 14.6% in tier
Loans	$306.2M -5.0% YoY-1.7% QoQ	+$162.0M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Top 5.3% in tier
Deposits	$332.2M -2.8% YoY+1.8% QoQ	+$131.0M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	Top 13.0% 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	0.0% -105.4% YoY-109.8% QoQ	-0.7%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	Bottom 8.7% in tier
NIM	3.6% +7.8% YoY-0.3% QoQ	+0.0%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	52%
Efficiency Ratio	95.0% -12.0% YoY-2.3% QoQ	+17.0%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	Bottom 5.7% in tier
Delinquency Rate	0.8% +199.2% YoY-51.0% QoQ	+0.0	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	65%
Loan To Share	92.2% -2.2% YoY-3.4% QoQ	+21.8%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	Top 7.9% in tier
AMR	$28,604 +0.9% YoY+1.3% QoQ	+$4K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	77%
CD Concentration	15.5% -0.7% YoY-8.8% QoQ	-8.8%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.2% -24.2% YoY-5.8% QoQ	-13.6%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#60 of 570 • Bottom 50.0% 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): -4.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.98%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.80%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#37 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $371.27M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.98%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#107 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.53% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Membership Headwinds

decline

#141 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -4.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#332 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.99%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.60% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -4.74%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Liquidity Strain

risk

#168 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.18%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -4.98%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 1070 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $306.18M

Peer Median: $121.41M

#57 of 1070 Top 5.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.18%

Peer Median: 71.88%

#84 of 1070 Top 7.8% in 100M-500M tier

139

Total Deposits

balance_sheet

Value: $332.16M

Peer Median: $171.29M

#139 of 1070 Top 12.9% in 100M-500M tier

156

Total Assets

balance_sheet

Value: $371.27M

Peer Median: $196.57M

#156 of 1070 Top 14.5% in 100M-500M tier

166

Loan-to-Member Ratio (LMR)

engagement

Value: $13,720

Peer Median: $9,356

#166 of 1070 Top 15.4% in 100M-500M tier

175

Total Members

engagement

Value: 22,316

Peer Median: 13,200

#175 of 1070 Top 16.3% in 100M-500M tier

250

Average Member Relationship (AMR)

engagement

Value: $28,604

Peer Median: $22,931

#250 of 1070 Top 23.3% in 100M-500M tier

253

Share Certificate Concentration (%)

balance_sheet

Value: 15.45%

Peer Median: 23.10%

#253 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (8 metrics)

1010

Efficiency Ratio

profitability

Value: 94.99%

Peer Median: 78.68%

#1010 of 1070 Bottom 5.7% in 100M-500M tier

990

Asset Growth Rate

growth

Value: -2.56%

Peer Median: 3.91%

#990 of 1070 Bottom 7.6% in 100M-500M tier

986

Deposit Growth Rate

growth

Value: -2.80%

Peer Median: 3.30%

#986 of 1070 Bottom 7.9% in 100M-500M tier

977

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: 0.69%

#977 of 1070 Bottom 8.8% in 100M-500M tier

960

Loan Growth Rate

growth

Value: -4.98%

Peer Median: 2.93%

#960 of 1070 Bottom 10.4% in 100M-500M tier

951

Member Growth Rate

growth

Value: -4.74%

Peer Median: -0.06%

#951 of 1070 Bottom 11.2% in 100M-500M tier

897

First Mortgage Concentration (%)

balance_sheet

Value: 48.36%

Peer Median: 29.47%

#897 of 1070 Bottom 16.3% in 100M-500M tier

870

Net Worth Ratio

risk

Value: 9.35%

Peer Median: 11.45%

#870 of 1070 Bottom 18.8% in 100M-500M tier