BlastPoint's Credit Union Scorecard

HARBOR POINTE

Charter #60207 · MN

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

HARBOR POINTE has 8 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 30.3% in tier
+ Wallet Share Momentum: Top 65.0% in tier
+ ROA 0.47% above tier average
+ Net Interest Margin 0.48% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 5.1% in tier
+ Loan-to-Share Ratio: Top 5.5% in tier
+ Loan-to-Member Ratio (LMR): Top 8.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 36.6% in tier
- Credit Risk Growth: Bottom 79.3% in tier
- Credit Quality Pressure: Bottom 93.2% in tier
- Membership Headwinds: Bottom 96.4% in tier
- Stagnation Risk: Bottom 99.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	8,014 -0.7% YoY-0.3% QoQ	-7.4K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	17%
Assets	$152.4M +5.8% YoY+0.8% QoQ	$-79.5M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	31%
Loans	$126.6M +7.5% YoY+3.4% QoQ	$-20.8M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	52%
Deposits	$131.5M +4.9% YoY+0.6% QoQ	$-69.3M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	31%

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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	1.2% +1.2% YoY-1.7% QoQ	+0.5%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	81%
NIM	4.1% +5.0% YoY-0.1% QoQ	+0.5%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	76%
Efficiency Ratio	70.8% -1.1% YoY+0.9% QoQ	-6.2%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	27%
Delinquency Rate	0.3% +9.9% YoY+1.9% QoQ	-0.6	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	Bottom 14.0% in tier
Loan To Share	96.3% +2.5% YoY+2.8% QoQ	+24.0%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	Top 5.6% in tier
AMR	$32,205 +6.8% YoY+2.2% QoQ	+$8K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	Top 13.5% in tier
CD Concentration	18.7% +16.3% YoY+3.8% QoQ	-5.8%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#82 of 268 • Top 30.3% 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): 6.84%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#334 of 513 • Top 65.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.84%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk

#84 of 228 • Bottom 36.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.26%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.46%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

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

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#362 of 456 • Bottom 79.3% in tier

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

Why This Signature

Loan Growth (YoY): 7.46%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#657 of 705 • Bottom 93.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

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

↓ Shrinking -150 CUs YoY | Rank worsening

Membership Headwinds

decline

#534 of 554 • Bottom 96.4% in tier

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

Why This Signature

Member Growth (YoY): -0.68%

(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

Stagnation Risk

risk

#552 of 554 • Bottom 99.6% 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): -0.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 7.46%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.27%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

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

→ No prior data (554 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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.26%

Peer Median: -

#60 of 1069 Top 5.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,796

Peer Median: -

#94 of 1069 Top 8.7% in 100M-500M tier

144

Average Member Relationship (AMR)

engagement

Value: $32,205

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

151

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: -

#151 of 1069 Top 14.0% in 100M-500M tier

201

Return on Assets (ROA)

profitability

Value: 1.23%

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

251

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Median: -

#251 of 1069 Top 23.4% in 100M-500M tier

266

AMR Growth Rate

growth

Value: 6.84%

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (3 metrics)

904

First Mortgage Concentration (%)

balance_sheet

Value: 48.12%

Peer Median: -

#904 of 1069 Bottom 15.5% in 100M-500M tier

885

Total Members

engagement

Value: 8,014

Peer Median: -

#885 of 1069 Bottom 17.3% in 100M-500M tier

860

Fee Income Per Member

profitability

Value: $110.08

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier