BlastPoint's Credit Union Scorecard
CITY & COUNTY
Charter #60255 · MN
CITY & COUNTY faces 5 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 37.1% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 7.77% above tier (higher cost structure)
- - Total Loans: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,180
-0.1% YoY-0.2% QoQ
|
-35.3K |
97,431
-2.4% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$1.2B
-1.7% YoY+0.3% QoQ
|
$-553.1M |
$1.7B
+0.9% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$689.8M
+0.6% YoY+0.7% QoQ
|
$-544.6M |
$1.2B
+0.5% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.3% in tier |
| Deposits |
$1.0B
+2.5% YoY+0.1% QoQ
|
$-427.4M |
$1.5B
+0.9% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
22% |
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 |
0.4%
+64.8% YoY+1.4% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
3.2%
+11.1% YoY-0.4% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
81.8%
-6.6% YoY-0.1% QoQ
|
+7.8% |
74.1%
-9.5% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.3%
-0.3% YoY+7.8% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
66.8%
-1.9% YoY+0.6% QoQ
|
-17.9% |
84.8%
-0.8% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.6% in tier |
| AMR |
$27,689
+1.8% YoY+0.5% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
23.6%
+3.3% YoY-2.3% QoQ
|
-5.4% | 29.0% | 22.0% | 19.8% | 27% |
| Indirect Auto % |
9.2%
-29.5% YoY-10.7% QoQ
|
-9.1% | 18.3% | 6.5% | 7.8% | 35% |
Signature Analysis
Strengths (0)
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)