BlastPoint's Credit Union Scorecard

BRAINERD B. N.

Charter #60436 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

BRAINERD B. N. has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Charge-Off Rate: Top 6.9% in tier
+ Deposit Growth Rate: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 15.82% above tier (higher cost structure)
- Fee Income Per Member: Bottom 4.4% in tier
- First Mortgage Concentration (%): Bottom 4.6% in tier
- Share Certificate Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	6,689 +0.7% YoY+0.0% QoQ	-8.5K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	Bottom 9.6% in tier
Assets	$124.4M +9.4% YoY+1.5% QoQ	$-107.3M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	16%
Loans	$63.1M +7.2% YoY-1.2% QoQ	$-81.0M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Bottom 12.6% in tier
Deposits	$110.5M +9.9% YoY+2.4% QoQ	$-90.7M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -67.9% YoY-60.9% QoQ	-0.5%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	20%
NIM	2.7% -5.5% YoY+0.1% QoQ	-0.9%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	Bottom 6.9% in tier
Efficiency Ratio	93.8% +33.4% YoY+23.4% QoQ	+15.8%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	Bottom 7.9% in tier
Delinquency Rate	0.3% -20.5% QoQ	-0.5	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	23%
Loan To Share	57.1% -2.4% YoY-3.5% QoQ	-13.3%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	21%
AMR	$25,946 +8.2% YoY+1.1% QoQ	+$1K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	66%
CD Concentration	41.7% +1.8% YoY+0.3% QoQ	+17.5%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#196 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.18%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Organic Growth Leader

growth

#350 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.66%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#335 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.66%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.27%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#105 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.85%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.57% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Risk Growth

risk

#140 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.22%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.27% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#257 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.27% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.35%

#75 of 1070 Top 6.9% in 100M-500M tier

101

Deposit Growth Rate

growth

Value: 9.88%

Peer Median: 3.30%

#101 of 1070 Top 9.3% in 100M-500M tier

129

Asset Growth Rate

growth

Value: 9.36%

Peer Median: 3.91%

#129 of 1070 Top 12.0% in 100M-500M tier

154

AMR Growth Rate

growth

Value: 8.18%

Peer Median: 3.46%

#154 of 1070 Top 14.3% in 100M-500M tier

248

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.61%

#248 of 1070 Top 23.1% in 100M-500M tier

Top Weaknesses (11 metrics)

1024

Fee Income Per Member

profitability

Value: $56.07

Peer Median: $154.95

#1024 of 1070 Bottom 4.4% in 100M-500M tier

1022

First Mortgage Concentration (%)

balance_sheet

Value: 63.11%

Peer Median: 29.47%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

1008

Share Certificate Concentration (%)

balance_sheet

Value: 41.74%

Peer Median: 23.10%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

996

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.62%

#996 of 1070 Bottom 7.0% in 100M-500M tier

987

Efficiency Ratio

profitability

Value: 93.85%

Peer Median: 78.68%

#987 of 1070 Bottom 7.9% in 100M-500M tier

967

Total Members

engagement

Value: 6,689

Peer Median: 13,200

#967 of 1070 Bottom 9.7% in 100M-500M tier

935

Total Loans

balance_sheet

Value: $63.10M

Peer Median: $121.41M

#935 of 1070 Bottom 12.7% in 100M-500M tier

903

Total Assets

balance_sheet

Value: $124.42M

Peer Median: $196.57M

#903 of 1070 Bottom 15.7% in 100M-500M tier

884

Total Deposits

balance_sheet

Value: $110.45M

Peer Median: $171.29M

#884 of 1070 Bottom 17.5% in 100M-500M tier

854

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.69%

#854 of 1070 Bottom 20.3% in 100M-500M tier