BlastPoint's Credit Union Scorecard
MINNESOTA POWER EMPLOYEES
Charter #60377 · MN
MINNESOTA POWER EMPLOYEES has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.44% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.1% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Deposit Growth Rate: Top 5.8% in tier
- + Net Charge-Off Rate: Top 8.4% in tier
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 1.04% above tier average
- - Member decline: -2.6% YoY
- - Total Members: Bottom 3.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +11.3% year over year ($136M in shares and deposits).
- Membership: 4,860 members, -2.6% vs a year ago.
- Delinquency rate 1.92%.
- Return on assets 1.31%.
- Efficiency ratio 62.18% vs a 76.73% peer average.
- Loan-to-share ratio 85.26% vs a 71.54% 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 |
4,860
-2.6% YoY+16.5% QoQ
|
-10.3K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 3.4% in tier |
| Assets |
$161.9M
+3.3% YoY-4.9% QoQ
|
$-70.1M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$115.9M
-3.4% YoY-0.5% QoQ
|
$-30.4M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$135.9M
+11.3% YoY-2.0% QoQ
|
$-64.8M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
1.3%
+2.8% YoY+3.3% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
3.2%
-3.7% YoY+3.9% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
62.2%
-4.6% YoY+7.3% QoQ
|
-14.5% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
1.9%
+809.9% YoY+103.1% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
85.3%
-13.2% YoY+1.6% QoQ
|
+13.7% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$51,820
+6.8% YoY-15.3% QoQ
|
+$27K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
Top 2.3% in tier |
| CD Concentration |
27.6%
+31.1% YoY+9.9% QoQ
|
+3.1% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
3.8%
-42.5% YoY-16.0% QoQ
|
-9.8% | 13.6% | 6.4% | 7.7% | 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 (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)