BlastPoint's Credit Union Scorecard

MEMBERS COOPERATIVE

Charter #60216 · MN

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 6 in MN

View Mid-Market leaderboard →

MEMBERS COOPERATIVE has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 23.4% in tier
+ Organic Growth Leader: Top 23.4% in tier
+ Emerging Performer: Top 29.1% in tier
+ ROA 0.22% above tier average
+ Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.3% in tier
- Credit Quality Pressure: Bottom 29.8% in tier
- Credit Risk Growth: Bottom 77.4% in tier
- Shrinking Wallet Share: Bottom 90.1% in tier
- Efficiency ratio 0.10% above tier (higher cost structure)
- Delinquency rate 0.62% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Minnesota.
Shares and deposits +3.2% year over year ($969M in shares and deposits).
Membership: 60,378 members, +4.8% vs a year ago.
Delinquency rate 1.49%.
Return on assets 1.04%.
Efficiency ratio 73.12% vs a 73.02% peer average.
Loan-to-share ratio 97.84% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	60,378 +4.8% YoY+1.3% QoQ	-36.5K	96,861 -1.9% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	Bottom 14.7% in tier
Assets	$1.2B +0.8% YoY-2.5% QoQ	$-560.7M	$1.7B +0.4% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	18%
Loans	$947.7M +1.3% YoY+0.8% QoQ	$-286.5M	$1.2B +0.7% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	31%
Deposits	$968.7M +3.2% YoY-1.5% QoQ	$-494.7M	$1.5B +0.5% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	Bottom 15.0% in tier

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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	1.0% +164.1% YoY+66.0% QoQ	+0.2%	0.8% +27.6% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	73%
NIM	3.5% +12.9% YoY+3.3% QoQ	+0.1%	3.4% +6.6% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	54%
Efficiency Ratio	73.1% -3.1% YoY-1.0% QoQ	+0.1%	73.0% -2.7% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	47%
Delinquency Rate	1.5% +9.5% YoY+11.8% QoQ	+0.6	0.9% +7.3% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	Bottom 12.0% in tier
Loan To Share	97.8% -1.9% YoY+2.4% QoQ	+13.1%	84.7% +0.1% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	82%
AMR	$31,739 -2.4% YoY-1.6% QoQ	+$2K	$29,575 +1.5% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	70%
CD Concentration	29.2% +0.3% YoY-2.1% QoQ	+0.1%	29.1%	21.9%	20.0%	52%
Indirect Auto %	9.9% -6.1% YoY-3.1% QoQ	-8.2%	18.1%	6.4%	7.7%	36%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#20 of 82 • Top 29.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.04%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 4.77%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Engine

growth

#36 of 113 • Top 23.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.77%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 1.04%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 9.91%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Organic Growth Leader

growth

#36 of 112 • Top 23.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.77%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 9.91%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk

#111 of 215 • Bottom 29.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#38 of 69 • Bottom 90.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.38%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Liquidity Strain

risk

#114 of 168 • Bottom 21.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.84%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 1.30%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Credit Risk Growth

risk

#141 of 170 • Bottom 77.4% in tier

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

Why This Signature

Loan Growth (YoY): 1.30%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | 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 300 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 97.84%

Peer Median: 87.07%

#55 of 300 Top 18.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,696

Peer Median: $12,809

#60 of 300 Top 19.7% in 1B-3B tier

Member Growth Rate

growth

Value: 4.77%

Peer Median: 1.84%

#62 of 300 Top 20.3% in 1B-3B tier

Top Weaknesses (8 metrics)

270

AMR Growth Rate

growth

Value: -2.38%

Peer Median: 3.19%

#270 of 300 Bottom 10.3% in 1B-3B tier

265

Total Delinquency Rate (60+ days)

risk

Value: 1.49%

Peer Median: 0.70%

#265 of 300 Bottom 12.0% in 1B-3B tier

256

Total Members

engagement

Value: 60,378

Peer Median: 86,516

#256 of 300 Bottom 15.0% in 1B-3B tier

255

Total Deposits

balance_sheet

Value: $968.65M

Peer Median: $1.30B

#255 of 300 Bottom 15.3% in 1B-3B tier

248

Asset Growth Rate

growth

Value: 0.85%

Peer Median: 5.21%

#248 of 300 Bottom 17.7% in 1B-3B tier

246

Total Assets

balance_sheet

Value: $1.16B

Peer Median: $1.51B

#246 of 300 Bottom 18.3% in 1B-3B tier

237

Members Per Employee (MPE)

engagement

Value: 291.681

Peer Median: 346.173

#237 of 300 Bottom 21.3% in 1B-3B tier

228

Loan Growth Rate

growth

Value: 1.30%

Peer Median: 5.71%

#228 of 300 Bottom 24.3% in 1B-3B tier