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 39.7% in tier
- + Organic Growth Engine: Top 50.4% in tier
- + Emerging Performer: Top 71.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 59.0% in tier
- - Liquidity Strain: Bottom 67.3% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 3.43% above tier (higher cost structure)
- - Delinquency rate 0.66% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,973
+4.6% YoY+1.1% QoQ
|
-38.5K |
97,431
-2.4% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 12.9% in tier |
| Assets |
$1.2B
+1.9% YoY+0.8% QoQ
|
$-551.2M |
$1.7B
+0.9% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$934.4M
+1.0% YoY-0.6% QoQ
|
$-300.0M |
$1.2B
+0.5% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$962.8M
+2.9% YoY+1.7% QoQ
|
$-496.5M |
$1.5B
+0.9% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.6% in tier |
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| ROA |
0.6%
+41.9% YoY+1.8% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.2%
+14.3% YoY+1.1% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
77.5%
-4.1% YoY+2.9% QoQ
|
+3.4% |
74.1%
-9.5% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.6%
-13.3% YoY+1.7% QoQ
|
+0.7 |
0.9%
+6.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 11.6% in tier |
| Loan To Share |
97.1%
-1.8% YoY-2.2% QoQ
|
+12.3% |
84.8%
-0.8% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$32,172
-2.5% YoY-0.5% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
30.4%
+1.2% YoY+1.2% QoQ
|
+1.3% | 29.0% | 22.0% | 19.8% | 57% |
| Indirect Auto % |
10.4%
-9.9% YoY+0.9% QoQ
|
-7.9% | 18.3% | 6.5% | 7.8% | 37% |
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)