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 0.54% above tier average
- + AMR Growth Rate: Top 0.6% in tier
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Fee Income Per Member: Top 2.2% in tier
- + Deposit Growth Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 0.17% above tier average
- - Member decline: -16.8% YoY
- - Member Growth Rate: Bottom 1.0% in tier
- - Total Members: Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,170
-16.8% YoY-14.6% QoQ
|
-11.0K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$170.3M
+8.8% YoY+7.2% QoQ
|
$-61.4M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$116.5M
-1.0% YoY-1.2% QoQ
|
$-27.7M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$138.8M
+13.7% YoY+7.6% QoQ
|
$-62.4M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
1.3%
-5.3% YoY+6.9% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
3.1%
-2.0% YoY-9.1% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
58.0%
-9.9% YoY-7.0% QoQ
|
-20.1% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Top 5.8% in tier |
| Delinquency Rate |
0.9%
+433.5% YoY+32.1% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
83.9%
-12.9% YoY-8.2% QoQ
|
+13.5% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$61,215
+28.1% YoY+21.1% QoQ
|
+$36K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Top 1.1% in tier |
| CD Concentration |
25.1%
+16.4% YoY+4.8% QoQ
|
+0.9% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
4.5%
-41.3% YoY-11.8% QoQ
|
-9.3% | 13.8% | 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)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)