BlastPoint's Credit Union Scorecard
ASSOCIATED HEALTHCARE
Charter #60466 · MN
ASSOCIATED HEALTHCARE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - ROA 0.11% below tier average
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 +5.2% year over year ($154M in shares and deposits).
- Membership: 12,360 members, -0.4% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 0.76%.
- Efficiency ratio 75.36% vs a 76.73% peer average.
- Loan-to-share ratio 82.16% 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 |
12,360
-0.4% YoY+0.4% QoQ
|
-2.8K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$175.8M
+4.8% YoY+0.3% QoQ
|
$-56.2M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$126.8M
+2.6% YoY+2.3% QoQ
|
$-19.4M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$154.4M
+5.2% YoY+1.7% QoQ
|
$-46.3M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-15.2% YoY+44.0% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.4%
+5.1% YoY+3.2% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
75.4%
+4.0% YoY-0.8% QoQ
|
-1.4% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
0.6%
+68.4% YoY+17.5% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
82.2%
-2.4% YoY+0.6% QoQ
|
+10.6% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$22,750
+4.5% YoY+1.6% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
20.8%
+12.5% YoY+7.5% QoQ
|
-3.7% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
20.8%
-7.1% YoY-1.8% QoQ
|
+7.1% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)