BlastPoint's Credit Union Scorecard
CITY & COUNTY
Charter #60255 · MN
CITY & COUNTY has 1 strength but faces 6 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
- + Credit Quality Leader: Top 47.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.3% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 7.92% above tier (higher cost structure)
- - Total Loans: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
- - Fee Income Per Member: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,303
+0.2% YoY+0.0% QoQ
|
-36.4K |
98,678
-1.9% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$1.2B
-3.7% YoY+1.0% QoQ
|
$-552.5M |
$1.7B
+0.5% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$685.0M
-1.6% YoY-0.4% QoQ
|
$-548.0M |
$1.2B
+0.5% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.2% in tier |
| Deposits |
$1.0B
+3.0% YoY+0.2% QoQ
|
$-423.1M |
$1.5B
+1.3% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.4%
+2.2% YoY+18.1% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.2%
+12.7% YoY+5.4% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
81.9%
-1.7% YoY-2.7% QoQ
|
+7.9% |
74.0%
-10.9% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.3%
-22.1% YoY+9.0% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.5% in tier |
| Loan To Share |
66.4%
-4.5% YoY-0.5% QoQ
|
-18.8% |
85.2%
-0.8% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.2% in tier |
| AMR |
$27,547
+0.9% YoY-0.1% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
24.2%
+8.6% YoY+2.9% QoQ
|
-4.8% |
29.0%
+0.7% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
29% |
| Indirect Auto % |
10.3%
-25.5% YoY-7.6% QoQ
|
-8.5% |
18.8%
-3.0% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
35% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)