BlastPoint's Credit Union Scorecard

CITY & COUNTY

Charter #60255 · MN

Mid-Market 1B-3B

City & County at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

City & County is one of 101 credit unions in the 2026 VentureTech card set. We also found City & County's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

City & County

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CITY & COUNTY
PEER · AT VENTURETECH
PEER · AT VENTURETECH
CITY & COUNTY'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 6 in MN

View Mid-Market leaderboard →

CITY & COUNTY at a glance

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 18.9% in tier
- Credit Quality Pressure: Bottom 45.2% in tier
- Credit Risk Growth: Bottom 65.6% in tier
- ROA 0.19% below tier average
- Efficiency ratio 7.08% above tier (higher cost structure)
- Total Loans: Bottom 7.7% in tier
- Fee Income Per Member: Bottom 9.0% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	62,004 -0.5% YoY-0.2% QoQ	-34.9K	96,861 -1.9% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	17%
Assets	$1.2B +1.5% YoY-1.0% QoQ	$-551.8M	$1.7B +0.4% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	20%
Loans	$711.4M +3.5% YoY+3.1% QoQ	$-522.8M	$1.2B +0.7% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	Bottom 7.3% in tier
Deposits	$1.0B +0.5% YoY-1.3% QoQ	$-428.9M	$1.5B +0.5% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	23%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +68.2% YoY-4.7% QoQ	-0.2%	0.8% +27.6% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	36%
NIM	3.3% +9.0% YoY+2.9% QoQ	-0.1%	3.4% +6.6% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	41%
Efficiency Ratio	80.1% -4.8% YoY+0.0% QoQ	+7.1%	73.0% -2.7% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	79%
Delinquency Rate	0.3% +21.2% YoY+10.2% QoQ	-0.5	0.9% +7.3% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	Top 12.7% in tier
Loan To Share	68.8% +3.0% YoY+4.4% QoQ	-15.9%	84.7% +0.1% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	Bottom 13.3% in tier
AMR	$28,157 +2.2% YoY+0.7% QoQ	$-1K	$29,575 +1.5% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	51%
CD Concentration	23.3% -0.9% YoY+1.1% QoQ	-5.8%	29.1%	21.9%	20.0%	25%
Indirect Auto %	6.8% -38.9% YoY-15.8% QoQ	-11.3%	18.1%	6.4%	7.7%	29%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#168 of 215 • Bottom 45.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk

#61 of 71 • Bottom 18.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.10%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -0.46%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

Credit Risk Growth

risk

#154 of 170 • Bottom 65.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.48%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: 0.70%

#39 of 300 Top 12.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Median: 0.52%

#44 of 300 Top 14.3% in 1B-3B tier

Top Weaknesses (10 metrics)

278

Total Loans

balance_sheet

Value: $711.39M

Peer Median: $1.14B

#278 of 300 Bottom 7.7% in 1B-3B tier

274

Fee Income Per Member

profitability

Value: $124.89

Peer Median: $204.73

#274 of 300 Bottom 9.0% in 1B-3B tier

260

Loan-to-Share Ratio

balance_sheet

Value: 68.77%

Peer Median: 87.07%

#260 of 300 Bottom 13.7% in 1B-3B tier

256

Deposit Growth Rate

growth

Value: 0.50%

Peer Median: 4.79%

#256 of 300 Bottom 15.0% in 1B-3B tier

251

First Mortgage Concentration (%)

balance_sheet

Value: 47.46%

Peer Median: 33.59%

#251 of 300 Bottom 16.7% in 1B-3B tier

248

Total Members

engagement

Value: 62,004

Peer Median: 86,516

#248 of 300 Bottom 17.7% in 1B-3B tier

241

Total Assets

balance_sheet

Value: $1.17B

Peer Median: $1.51B

#241 of 300 Bottom 20.0% in 1B-3B tier

239

Efficiency Ratio

profitability

Value: 80.10%

Peer Median: 73.62%

#239 of 300 Bottom 20.7% in 1B-3B tier

238

Asset Growth Rate

growth

Value: 1.52%

Peer Median: 5.21%

#238 of 300 Bottom 21.0% in 1B-3B tier

230

Total Deposits

balance_sheet

Value: $1.03B

Peer Median: $1.30B

#230 of 300 Bottom 23.7% in 1B-3B tier