BlastPoint's Credit Union Scorecard

ACCENTRA

Charter #60798 · MN

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

ACCENTRA has 2 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

+ Organic Growth Engine: Top 30.6% in tier
+ Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.7% in tier
- Indirect Auto Dependency: Bottom 15.4% in tier
- Efficiency Drag: Bottom 22.0% in tier
- Shrinking Wallet Share: Bottom 23.7% in tier
- ROA 0.34% below tier average
- Efficiency ratio 3.69% above tier (higher cost structure)
- Delinquency rate 1.76% above tier average
- Total Delinquency Rate (60+ days): Bottom 3.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	17,060 +1.8% YoY+0.1% QoQ	+1.4K	15,628 -3.4% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	65%
Assets	$206.0M +5.0% YoY+1.2% QoQ	$-25.3M	$231.3M -0.0% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	52%
Loans	$137.4M -3.2% YoY-1.9% QoQ	$-10.4M	$147.8M -1.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	56%
Deposits	$185.3M +4.6% YoY+1.0% QoQ	$-15.0M	$200.3M -0.0% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	55%

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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	0.5% -30.0% YoY+61.4% QoQ	-0.3%	0.8% +15.5% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	29%
NIM	3.7% +18.8% YoY+1.8% QoQ	+0.2%	3.6% +6.9% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	59%
Efficiency Ratio	81.0% +3.4% YoY+0.2% QoQ	+3.7%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	2.6% +20.2% YoY+6.5% QoQ	+1.8	0.9% +7.6% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	Top 3.4% in tier
Loan To Share	74.2% -7.4% YoY-2.9% QoQ	+1.5%	72.7% -1.5% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	50%
AMR	$18,912 -0.6% YoY-0.4% QoQ	$-5K	$24,363 +2.9% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	28%
CD Concentration	25.4% +7.7% YoY+4.9% QoQ	+1.0%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	29.0% +2.2% YoY-1.1% QoQ	+15.0%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#562 of 603 • Top 30.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.45%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 28.97%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#167 of 736 • Bottom 6.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#249 of 525 • Bottom 15.4% in tier

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

Why This Signature

Asset Growth (YoY): 4.96%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 28.97%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.78%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#389 of 521 • Bottom 22.0% in tier

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

Why This Signature

Efficiency Ratio: 80.96%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 1.78%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#237 of 244 • Bottom 23.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.64%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 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 1077 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

1041

Total Delinquency Rate (60+ days)

risk

Value: 2.62%

Peer Avg: -

#1041 of 1077 Bottom 3.4% in 100M-500M tier

887

Indirect Auto Concentration (%)

balance_sheet

Value: 28.97%

Peer Avg: -

#887 of 1077 Bottom 17.7% in 100M-500M tier

886

AMR Growth Rate

growth

Value: -0.64%

Peer Avg: -

#886 of 1077 Bottom 17.8% in 100M-500M tier

870

Loan Growth Rate

growth

Value: -3.20%

Peer Avg: -

#870 of 1077 Bottom 19.3% in 100M-500M tier