BlastPoint's Credit Union Scorecard
MINNESOTA POWER EMPLOYEES
Charter #60377 · MN
MINNESOTA POWER EMPLOYEES has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 28.8% in tier
- + Wallet Share Momentum: Top 60.7% in tier
- + ROA 0.42% above tier average
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Efficiency Ratio: Top 9.8% in tier
- + Net Charge-Off Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.6% in tier
- - Membership Headwinds: Bottom 48.6% in tier
- - Credit Risk Growth: Bottom 55.0% in tier
- - Stagnation Risk: Bottom 56.4% in tier
- - Liquidity Strain: Bottom 90.3% in tier
- - Member decline: -2.8% YoY
- - Total Members: Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,885
-2.8% YoY-1.4% QoQ
|
-10.6K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 2.9% in tier |
| Assets |
$158.9M
-0.8% YoY+0.4% QoQ
|
$-73.0M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$117.9M
+2.0% YoY-2.1% QoQ
|
$-29.4M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$129.0M
+5.9% YoY+5.2% QoQ
|
$-71.8M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
1.2%
+51.0% YoY+12.4% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.4%
+18.4% YoY+0.6% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
62.4%
-10.7% YoY-0.4% QoQ
|
-14.7% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
0.7%
+143.3% YoY+92.9% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
91.4%
-3.7% YoY-6.9% QoQ
|
+19.2% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 11.5% in tier |
| AMR |
$50,540
+7.0% YoY+3.0% QoQ
|
+$26K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 2.3% in tier |
| CD Concentration |
24.0%
+8.5% YoY+2.5% QoQ
|
-0.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
5.1%
-43.5% YoY-10.4% QoQ
|
-8.7% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)