BlastPoint's Credit Union Scorecard

MY

Charter #60125 · MN

1077 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

+ Relationship Depth Leader: Top 51.6% in tier
+ Total Loans: Top 4.4% in tier
+ Loan-to-Share Ratio: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.4% in tier
- Membership Headwinds: Bottom 6.4% in tier
- Institutional Decline: Bottom 9.0% in tier
- Efficiency Drag: Bottom 12.6% in tier
- Stagnation Risk: Bottom 15.9% in tier
- Liquidity Strain: Bottom 20.9% in tier
- ROA 0.91% below tier average
- Efficiency ratio 18.27% above tier (higher cost structure)
- Delinquency rate 0.01% above tier average
- Member decline: -5.4% YoY
- Member Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	22,560 -5.4% YoY-1.8% QoQ	+6.9K	15,628 -3.4% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	82%
Assets	$371.1M -1.3% YoY-0.3% QoQ	+$139.8M	$231.3M -0.0% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	Top 14.7% in tier
Loans	$318.2M -2.3% YoY-0.0% QoQ	+$170.4M	$147.8M -1.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	Top 4.5% in tier
Deposits	$328.3M +0.8% YoY-1.6% QoQ	+$128.0M	$200.3M -0.0% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	Top 13.4% 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	-0.1% -188.7% YoY-59.8% QoQ	-0.9%	0.8% +15.5% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	Bottom 5.6% in tier
NIM	3.5% +2.4% YoY+1.5% QoQ	-0.0%	3.6% +6.9% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	47%
Efficiency Ratio	95.6% -1.4% YoY-4.6% QoQ	+18.3%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	Top 4.5% in tier
Delinquency Rate	0.9% +144.6% YoY+67.3% QoQ	+0.0	0.9% +7.6% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	64%
Loan To Share	96.9% -3.1% YoY+1.6% QoQ	+24.2%	72.7% -1.5% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	Top 5.8% in tier
AMR	$28,655 +4.9% YoY+1.0% QoQ	+$4K	$24,363 +2.9% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	79%
CD Concentration	17.2% +24.7% YoY+5.3% QoQ	-7.2%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.2% -26.1% YoY-8.3% QoQ	-13.7%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#133 of 257 • Top 51.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.94%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#135 of 736 • Bottom 5.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.51% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline

#106 of 550 • Bottom 6.4% in tier

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

Why This Signature

Member Growth (YoY): -5.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#72 of 256 • Bottom 9.0% in tier

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

Why This Signature

Total Assets: $371.14M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -5.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Efficiency Drag

risk

#223 of 521 • Bottom 12.6% in tier

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

Why This Signature

Efficiency Ratio: 95.55%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -5.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Stagnation Risk

risk

#263 of 550 • Bottom 15.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.87%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk

#163 of 258 • Bottom 20.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.92%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -2.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 1077 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $318.18M

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.92%

Peer Avg: -

#63 of 1077 Top 5.8% in 100M-500M tier

139

Loan-to-Member Ratio (LMR)

engagement

Value: $14,104

Peer Avg: -

#139 of 1077 Top 12.8% in 100M-500M tier

144

Total Deposits

balance_sheet

Value: $328.28M

Peer Avg: -

#144 of 1077 Top 13.3% in 100M-500M tier

158

Total Assets

balance_sheet

Value: $371.14M

Peer Avg: -

#158 of 1077 Top 14.6% in 100M-500M tier

179

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#179 of 1077 Top 16.5% in 100M-500M tier

190

Total Members

engagement

Value: 22,560

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

227

Average Member Relationship (AMR)

engagement

Value: $28,655

Peer Avg: -

#227 of 1077 Top 21.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1029

Efficiency Ratio

profitability

Value: 95.55%

Peer Avg: -

#1029 of 1077 Bottom 4.5% in 100M-500M tier

1017

Return on Assets (ROA)

profitability

Value: -0.12%

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

983

Member Growth Rate

growth

Value: -5.43%

Peer Avg: -

#983 of 1077 Bottom 8.8% in 100M-500M tier

939

Asset Growth Rate

growth

Value: -1.35%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

905

First Mortgage Concentration (%)

balance_sheet

Value: 47.70%

Peer Avg: -

#905 of 1077 Bottom 16.1% in 100M-500M tier

857

Net Worth Ratio

risk

Value: 9.50%

Peer Avg: -

#857 of 1077 Bottom 20.5% in 100M-500M tier

824

Loan Growth Rate

growth

Value: -2.34%

Peer Avg: -

#824 of 1077 Bottom 23.6% in 100M-500M tier