BlastPoint's Credit Union Scorecard
MEMBERS COOPERATIVE
Charter #60216 · MN
MEMBERS COOPERATIVE has 3 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 14.8% in tier
- + Organic Growth Engine: Top 19.1% in tier
- + Emerging Performer: Top 78.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 12.9% in tier
- - Liquidity Strain: Bottom 18.5% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 1.34% above tier (higher cost structure)
- - Delinquency rate 0.71% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,339
+4.4% YoY+1.2% QoQ
|
-40.3K |
98,678
-1.9% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 12.2% in tier |
| Assets |
$1.2B
+1.8% YoY+0.8% QoQ
|
$-556.8M |
$1.7B
+0.5% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$939.7M
+1.6% YoY+0.4% QoQ
|
$-293.3M |
$1.2B
+0.5% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$946.7M
+1.4% YoY+0.9% QoQ
|
$-507.6M |
$1.5B
+1.3% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.5% in tier |
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| ROA |
0.6%
+43.5% YoY+40.8% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.2%
+13.7% YoY+2.0% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
75.3%
-7.3% YoY-0.2% QoQ
|
+1.3% |
74.0%
-10.9% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.5%
-4.5% YoY+13.0% QoQ
|
+0.7 |
0.8%
+6.1% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 10.9% in tier |
| Loan To Share |
99.3%
+0.2% YoY-0.4% QoQ
|
+14.1% |
85.2%
-0.8% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$32,336
-2.8% YoY-0.5% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
30.0%
+0.2% YoY+3.0% QoQ
|
+1.0% |
29.0%
+0.7% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
56% |
| Indirect Auto % |
10.4%
-16.0% YoY-1.9% QoQ
|
-8.4% |
18.8%
-3.0% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
36% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)