BlastPoint's Credit Union Scorecard

HARBOR POINTE

Charter #60207 · MN

100M-500M

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

HARBOR POINTE has 7 strengths but faces 5 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 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.69% above tier average
+ Net Interest Margin 0.45% above tier average
+ Loan-to-Share Ratio: Top 5.3% in tier
+ Loan-to-Member Ratio (LMR): Top 8.6% in tier
+ Net Charge-Off Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	8,002 -0.5% YoY-0.1% QoQ	-7.1K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	18%
Assets	$157.5M +5.9% YoY+3.4% QoQ	$-74.2M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	34%
Loans	$127.7M +8.5% YoY+0.9% QoQ	$-16.5M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	53%
Deposits	$136.1M +5.1% YoY+3.5% QoQ	$-65.0M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +74.9% YoY+15.3% QoQ	+0.7%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	Top 13.3% in tier
NIM	4.1% +3.1% YoY-0.0% QoQ	+0.4%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	70.7% -4.7% YoY-0.1% QoQ	-7.3%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.6% +118.9% YoY+102.1% QoQ	-0.2	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	45%
Loan To Share	93.8% +3.3% YoY-2.6% QoQ	+23.4%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	Top 5.4% in tier
AMR	$32,968 +7.2% YoY+2.4% QoQ	+$8K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	Top 12.5% in tier
CD Concentration	19.8% +17.3% YoY+6.1% QoQ	-4.5%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#69 of 257 • Top 50.0% 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): 7.24%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#255 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.24%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#96 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.30% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#234 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): 0.30% 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

Liquidity Strain

risk

#76 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: 93.79%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

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

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Stagnation Risk

risk

#553 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): -0.51%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.55%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

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

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

Membership Headwinds

decline

#569 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): -0.51%

(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

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 (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.79%

Peer Median: 71.88%

#58 of 1070 Top 5.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,956

Peer Median: $9,356

#93 of 1070 Top 8.6% in 100M-500M tier

105

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: 0.35%

#105 of 1070 Top 9.7% in 100M-500M tier

134

Average Member Relationship (AMR)

engagement

Value: $32,968

Peer Median: $22,931

#134 of 1070 Top 12.4% in 100M-500M tier

142

Return on Assets (ROA)

profitability

Value: 1.42%

Peer Median: 0.69%

#142 of 1070 Top 13.2% in 100M-500M tier

200

AMR Growth Rate

growth

Value: 7.24%

Peer Median: 3.46%

#200 of 1070 Top 18.6% in 100M-500M tier

234

Loan Growth Rate

growth

Value: 8.50%

Peer Median: 2.93%

#234 of 1070 Top 21.8% in 100M-500M tier

240

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Median: 3.62%

#240 of 1070 Top 22.3% in 100M-500M tier

Top Weaknesses (3 metrics)

901

First Mortgage Concentration (%)

balance_sheet

Value: 48.48%

Peer Median: 29.47%

#901 of 1070 Bottom 15.9% in 100M-500M tier

882

Total Members

engagement

Value: 8,002

Peer Median: 13,200

#882 of 1070 Bottom 17.7% in 100M-500M tier

826

Fee Income Per Member

profitability

Value: $105.64

Peer Median: $154.95

#826 of 1070 Bottom 22.9% in 100M-500M tier