BlastPoint's Credit Union Scorecard
SHARE ADVANTAGE
Charter #60242 · MN
SHARE ADVANTAGE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 0.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.8% in tier
- + Loan-to-Member Ratio (LMR): Top 6.2% in tier
- + Average Member Relationship (AMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.33% above tier average
- - Member decline: -12.3% YoY
- - First Mortgage Concentration (%): Bottom 2.9% in tier
- - Member Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,459
-12.3% YoY-1.3% QoQ
|
+833 |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$56.0M
-2.2% YoY+2.3% QoQ
|
+$26.2M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$37.7M
+2.9% YoY+0.5% QoQ
|
+$21.9M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 12.3% in tier |
| Deposits |
$48.4M
-3.3% YoY+2.1% QoQ
|
+$22.9M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
1.3%
+162.5% YoY+482.7% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
4.5%
+11.0% YoY+1.9% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
75.2%
-0.7% YoY-1.3% QoQ
|
-6.2% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.8%
+50.6% YoY+50.3% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
77.9%
+6.5% YoY-1.5% QoQ
|
+16.6% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$24,878
+13.2% YoY+2.7% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 8.1% in tier |
| CD Concentration |
8.2%
-16.9% YoY+106.6% QoQ
|
-16.2% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
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)