BlastPoint's Credit Union Scorecard
SHARE ADVANTAGE
Charter #60242 · MN
SHARE ADVANTAGE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Loan-to-Member Ratio (LMR): Top 6.0% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.36% above tier average
- - Member decline: -2.6% YoY
- - First Mortgage Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,427
-2.6% YoY-0.8% QoQ
|
+750 |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$58.5M
+2.6% YoY+3.8% QoQ
|
+$28.4M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$37.3M
-1.0% YoY-1.7% QoQ
|
+$22.1M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Top 11.8% in tier |
| Deposits |
$50.5M
+1.5% YoY+3.6% QoQ
|
+$24.7M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
83% |
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| ROA |
0.9%
-211.8% YoY-32.7% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
4.0%
-7.0% YoY-10.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
80.3%
+7.5% YoY+10.3% QoQ
|
-10.4% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate |
1.9%
+412.9% YoY+42.3% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
73.9%
-2.5% YoY-5.1% QoQ
|
+15.4% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$25,628
+3.1% YoY+2.1% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Top 7.7% in tier |
| CD Concentration |
9.1%
+2.6% YoY-3.0% QoQ
|
-15.1% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)