BlastPoint's Credit Union Scorecard
ACCENTRA
Charter #60798 · MN
ACCENTRA has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 99.0% in tier
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 53.7% in tier
- - Efficiency Drag: Bottom 70.2% in tier
- - Credit Quality Pressure: Bottom 91.2% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 3.37% above tier (higher cost structure)
- - Delinquency rate 1.38% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,039
+0.7% YoY-0.1% QoQ
|
+1.6K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$209.8M
+4.8% YoY+1.8% QoQ
|
$-22.1M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$136.3M
-3.5% YoY-0.8% QoQ
|
$-11.1M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$188.3M
+4.0% YoY+1.6% QoQ
|
$-12.5M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.4%
-34.9% YoY-5.3% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.7%
+16.7% YoY-0.6% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
80.4%
+3.3% YoY-0.7% QoQ
|
+3.4% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
2.3%
+1.3% YoY-13.2% QoQ
|
+1.4 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 5.4% in tier |
| Loan To Share |
72.4%
-7.2% YoY-2.4% QoQ
|
+0.1% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$19,048
+0.0% YoY+0.7% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
25.6%
+7.4% YoY+0.5% QoQ
|
+1.1% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
28.3%
+0.5% YoY-2.3% QoQ
|
+14.5% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)