BlastPoint's Credit Union Scorecard
MEMBERS COOPERATIVE
Charter #60216 · MN
MEMBERS COOPERATIVE has 4 strengths but faces 4 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 25.3% in tier
- + Organic Growth Engine: Top 25.3% in tier
- + Emerging Performer: Top 55.4% in tier
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.4% in tier
- - Shrinking Wallet Share: Bottom 88.7% in tier
- - ROA 0.09% below tier average
- - Delinquency rate 0.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,619
+4.7% YoY+1.1% QoQ
|
-36.4K |
96,048
-2.7% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 13.7% in tier |
| Assets |
$1.2B
+3.6% YoY+1.8% QoQ
|
$-526.1M |
$1.7B
+0.4% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$939.9M
+0.5% YoY+0.6% QoQ
|
$-273.9M |
$1.2B
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$983.3M
+4.1% YoY+2.1% QoQ
|
$-482.3M |
$1.5B
+0.5% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.7% in tier |
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| ROA |
0.6%
+27.0% YoY+11.0% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.4%
+12.1% YoY+6.1% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
73.8%
-11.4% YoY-4.7% QoQ
|
-0.8% |
74.6%
-3.0% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
1.3%
-0.9% YoY-14.8% QoQ
|
+0.6 |
0.8%
+6.9% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.5% in tier |
| Loan To Share |
95.6%
-3.5% YoY-1.5% QoQ
|
+12.4% |
83.2%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$32,257
-2.3% YoY+0.3% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
29.8%
+2.4% YoY-1.7% QoQ
|
+1.0% | 28.8% | 22.6% | 19.8% | 56% |
| Indirect Auto % |
10.2%
-5.0% YoY-2.1% QoQ
|
-7.9% | 18.1% | 6.4% | 7.7% | 38% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). 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)