BlastPoint's Credit Union Scorecard

ASSOCIATED HEALTHCARE

Charter #60466 · MN

1077 CUs in 100M-500M nationally 31 in MN

ASSOCIATED HEALTHCARE has 2 strengths but faces 5 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

  • + ROA 0.18% above tier average
  • + Members Per Employee (MPE): Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 17.4% in tier
  • - Stagnation Risk: Bottom 22.8% in tier
  • - Margin Compression: Bottom 30.1% in tier
  • - Membership Headwinds: Bottom 30.5% in tier
  • - Institutional Decline: Bottom 31.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 12,420
-0.8% YoY+0.1% QoQ
 -3.2K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 44%
Assets $169.7M
+5.4% YoY+1.1% QoQ
 $-61.6M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 39%
Loans $125.2M
-1.4% YoY+1.3% QoQ
 $-22.6M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 51%
Deposits $147.9M
+4.8% YoY+0.8% QoQ
 $-52.4M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.0%
-10.1% YoY+9.2% QoQ
 +0.2% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 64%
NIM 3.2%
-1.0% YoY+1.1% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 29%
Efficiency Ratio 72.4%
+1.9% YoY-0.1% QoQ
 -4.8% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 32%
Delinquency Rate 0.4%
-22.6% YoY+12.4% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 29%
Loan To Share 84.7%
-5.9% YoY+0.6% QoQ
 +12.0% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 74%
AMR $21,988
+2.7% YoY+1.0% QoQ
 $-2K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 47%
CD Concentration 20.3%
+10.5% YoY+9.4% QoQ
 -4.2% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 21.7%
-2.6% YoY-2.7% QoQ
 +7.8% 14.0%
-5.7% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk
#281 of 525 • Bottom 17.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.44%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 21.73%
(Tier: 13.97%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#376 of 550 • Bottom 22.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.36%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
Delinquency Rate: 0.41%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Margin Compression

decline
#127 of 136 • Bottom 30.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.97%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA (Prior Year): 1.08%
(Tier: 0.66%, National: 0.67%)
but better than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#503 of 550 • Bottom 30.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline
#252 of 256 • Bottom 31.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $169.67M
(Tier: $331.87M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.36%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (1 metrics)

51
Members Per Employee (MPE)
engagement
Value: 517.500
Peer Avg: -
#51 of 1077 Top 4.6% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available
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