BlastPoint's Credit Union Scorecard

CITY & COUNTY

Charter #60255 · MN

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

CITY & COUNTY faces 7 concerns requiring attention

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 25.8% in tier
- Credit Quality Pressure: Bottom 52.6% in tier
- Credit Risk Growth: Bottom 72.9% in tier
- ROA 0.06% below tier average
- Efficiency ratio 5.45% above tier (higher cost structure)
- Asset Growth Rate: Bottom 3.9% in tier
- Total Loans: Bottom 6.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	62,149 -0.3% YoY-0.0% QoQ	-33.9K	96,048 -2.7% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	17%
Assets	$1.2B -4.4% YoY+1.2% QoQ	$-535.9M	$1.7B +0.4% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	19%
Loans	$690.0M +1.6% YoY+0.0% QoQ	$-523.7M	$1.2B +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Bottom 6.2% in tier
Deposits	$1.0B +0.4% YoY+1.5% QoQ	$-417.8M	$1.5B +0.5% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +123.6% YoY+47.3% QoQ	-0.1%	0.7% +27.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	49%
NIM	3.3% +10.7% YoY+0.8% QoQ	-0.1%	3.4% +6.2% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	80.1% -6.3% YoY-2.1% QoQ	+5.5%	74.6% -3.0% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.3% +7.7% YoY-6.3% QoQ	-0.5	0.8% +6.9% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	Top 13.4% in tier
Loan To Share	65.9% +1.2% YoY-1.5% QoQ	-17.3%	83.2% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	Bottom 13.4% in tier
AMR	$27,962 +1.1% YoY+1.0% QoQ	$-2K	$29,652 +2.3% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	48%
CD Concentration	23.0% +0.5% YoY-2.5% QoQ	-5.8%	28.8%	22.6%	19.8%	24%
Indirect Auto %	8.1% -33.5% YoY-12.0% QoQ	-10.0%	18.1%	6.4%	7.7%	33%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#76 of 100 • Bottom 25.8% in tier

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

Why This Signature

Efficiency Ratio: 80.09%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.36% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.28%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#200 of 225 • Bottom 52.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#179 of 183 • Bottom 72.9% in tier

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

Why This Signature

Loan Growth (YoY): 1.59%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | 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 306 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.63%

#42 of 306 Top 13.4% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.24%

Peer Median: 0.51%

#57 of 306 Top 18.3% in 1B-3B tier

Top Weaknesses (9 metrics)

295

Asset Growth Rate

growth

Value: -4.38%

Peer Median: 4.82%

#295 of 306 Bottom 3.9% in 1B-3B tier

287

Total Loans

balance_sheet

Value: $690.05M

Peer Median: $1.11B

#287 of 306 Bottom 6.5% in 1B-3B tier

270

Fee Income Per Member

profitability

Value: $125.73

Peer Median: $191.54

#270 of 306 Bottom 12.1% in 1B-3B tier

265

Loan-to-Share Ratio

balance_sheet

Value: 65.86%

Peer Median: 85.31%

#265 of 306 Bottom 13.7% in 1B-3B tier

259

Deposit Growth Rate

growth

Value: 0.37%

Peer Median: 4.44%

#259 of 306 Bottom 15.7% in 1B-3B tier

257

First Mortgage Concentration (%)

balance_sheet

Value: 48.14%

Peer Median: 33.05%

#257 of 306 Bottom 16.3% in 1B-3B tier

253

Total Members

engagement

Value: 62,149

Peer Median: 85,918

#253 of 306 Bottom 17.6% in 1B-3B tier

248

Total Assets

balance_sheet

Value: $1.18B

Peer Median: $1.51B

#248 of 306 Bottom 19.3% in 1B-3B tier

231

Total Deposits

balance_sheet

Value: $1.05B

Peer Median: $1.31B

#231 of 306 Bottom 24.8% in 1B-3B tier