BlastPoint's Credit Union Scorecard
SHARE ADVANTAGE
Charter #60242 · MN
SHARE ADVANTAGE has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 0.51% above tier average
- + AMR Growth Rate: Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 6.0% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -22.6% YoY
- - Member Growth Rate: Bottom 1.6% in tier
- - First Mortgage Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,455
-22.6% YoY-0.1% QoQ
|
+839 |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$56.4M
-0.0% YoY+0.7% QoQ
|
+$26.2M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$38.0M
+0.7% YoY+0.8% QoQ
|
+$22.2M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Top 12.0% in tier |
| Deposits |
$48.7M
-0.7% YoY+0.8% QoQ
|
+$23.1M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
81% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+33.2% YoY+1.2% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
4.5%
+7.7% YoY-1.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
72.8%
+5.4% YoY-3.2% QoQ
|
-9.8% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.3%
+123.2% YoY-28.5% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
77.9%
+1.4% YoY+0.1% QoQ
|
+17.3% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$25,103
+29.1% YoY+0.9% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 7.9% in tier |
| CD Concentration |
9.4%
-8.9% YoY+15.3% QoQ
|
-15.0% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 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)