BlastPoint's Credit Union Scorecard
HARBOR POINTE
Charter #60207 · MN
HARBOR POINTE has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 49.6% in tier
- + Credit Quality Leader: Top 60.8% in tier
- + Profitability Leader: Top 74.3% in tier
- + Wallet Share Momentum: Top 95.4% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 10.8% in tier
- - Liquidity Strain: Bottom 18.2% in tier
- - Membership Headwinds: Bottom 32.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,036
-0.6% YoY-0.0% QoQ
|
-7.6K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$151.2M
+4.1% YoY+2.2% QoQ
|
$-80.1M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$122.4M
+6.4% YoY-0.4% QoQ
|
$-25.3M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$130.8M
+2.9% YoY+1.9% QoQ
|
$-69.5M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
1.3%
+23.1% YoY+13.4% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.1%
+6.8% YoY+0.9% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
70.2%
+0.4% YoY-2.2% QoQ
|
-7.1% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.3%
-8.9% YoY+26.9% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
93.6%
+3.4% YoY-2.3% QoQ
|
+20.9% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 9.6% in tier |
| AMR |
$31,511
+5.2% YoY+0.8% QoQ
|
+$7K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 13.6% in tier |
| CD Concentration |
18.0%
+16.7% YoY+5.6% QoQ
|
-6.4% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)