BlastPoint's Credit Union Scorecard

ACCENTRA

Charter #60798 · MN

100M-500M

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

ACCENTRA has 1 strength but faces 4 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 0.30% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 1.04% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- Net Charge-Off Rate: Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	17,036 -0.1% YoY-0.0% QoQ	+1.9K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	66%
Assets	$217.1M +4.9% YoY+3.5% QoQ	$-14.6M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	55%
Loans	$135.7M -3.6% YoY-0.4% QoQ	$-8.5M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	56%
Deposits	$195.2M +4.4% YoY+3.6% QoQ	$-6.0M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	58%

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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	1.0% +34.6% YoY+141.7% QoQ	+0.3%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	71%
NIM	3.7% +3.1% YoY-1.3% QoQ	+0.0%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	67.1% -5.2% YoY-16.5% QoQ	-10.9%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	19%
Delinquency Rate	1.8% -15.6% YoY-20.0% QoQ	+1.0	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	Bottom 6.9% in tier
Loan To Share	69.5% -7.6% YoY-3.9% QoQ	-0.9%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	45%
AMR	$19,419 +1.1% YoY+2.0% QoQ	$-5K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	29%
CD Concentration	23.3% +0.5% YoY-8.9% QoQ	-1.0%	24.3%	22.6%	19.8%	50%
Indirect Auto %	28.1% -3.9% YoY-0.9% QoQ	+14.3%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk

#220 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 4.92%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 28.06%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

208

Efficiency Ratio

profitability

Value: 67.09%

Peer Median: 78.68%

#208 of 1070 Top 19.3% in 100M-500M tier

Top Weaknesses (4 metrics)

997

Total Delinquency Rate (60+ days)

risk

Value: 1.82%

Peer Median: 0.61%

#997 of 1070 Bottom 6.9% in 100M-500M tier

986

Net Charge-Off Rate

risk

Value: 1.17%

Peer Median: 0.35%

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

914

Loan Growth Rate

growth

Value: -3.60%

Peer Median: 2.93%

#914 of 1070 Bottom 14.7% in 100M-500M tier

880

Indirect Auto Concentration (%)

balance_sheet

Value: 28.06%

Peer Median: 6.61%

#880 of 1070 Bottom 17.9% in 100M-500M tier