BlastPoint's Credit Union Scorecard
CITY & COUNTY
Charter #60255 · MN
CITY & COUNTY faces 7 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 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Minnesota.
- Shares and deposits +0.5% year over year ($1.03B in shares and deposits).
- Membership: 62,004 members, -0.5% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 0.62%.
- Efficiency ratio 80.10% vs a 73.02% peer average.
- Loan-to-share ratio 68.77% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)