BlastPoint's Credit Union Scorecard

GREATER COMMUNITY

Charter #61624 · MN

100M-500M

1069 CUs in 100M-500M nationally 31 in MN

GREATER COMMUNITY has 5 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 0.87% above tier average
+ Efficiency Ratio: Top 0.7% in tier
+ Net Worth Ratio: Top 2.7% in tier
+ Average Member Relationship (AMR): Top 3.7% in tier
+ Loan-to-Member Ratio (LMR): Top 3.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	8,605 -0.0% YoY-0.7% QoQ	-6.8K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	21%
Assets	$284.9M +0.7% YoY+2.8% QoQ	+$53.0M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	71%
Loans	$170.2M +0.9% YoY+4.2% QoQ	+$22.9M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	67%
Deposits	$225.2M -1.4% YoY+2.7% QoQ	+$24.4M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	65%

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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	1.6% -5.6% YoY-0.4% QoQ	+0.9%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	Top 7.4% in tier
NIM	2.9% -0.6% YoY+0.0% QoQ	-0.7%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Bottom 13.1% in tier
Efficiency Ratio	45.3% +5.2% YoY-0.8% QoQ	-31.7%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	Top 0.7% in tier
Delinquency Rate	0.5% +14.5% YoY+0.1% QoQ	-0.4	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	35%
Loan To Share	75.6% +2.4% YoY+1.4% QoQ	+3.4%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	53%
AMR	$45,954 -0.4% YoY+4.0% QoQ	+$21K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	Top 3.8% in tier
CD Concentration	34.1% -2.4% YoY-4.7% QoQ	+9.7%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Liquidity Overhang

risk

#44 of 135 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 20.70%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 75.59%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Deposit Outflow

decline

#41 of 69 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.39%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.05%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Credit Quality Pressure

risk

#575 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#438 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.93%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 45.30%

Peer Median: -

#9 of 1069 Top 0.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 20.70%

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $45,954

Peer Median: -

#41 of 1069 Top 3.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,783

Peer Median: -

#42 of 1069 Top 3.8% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.63%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

163

First Mortgage Concentration (%)

balance_sheet

Value: 12.35%

Peer Median: -

#163 of 1069 Top 15.2% in 100M-500M tier

Top Weaknesses (7 metrics)

969

Fee Income Per Member

profitability

Value: $87.76

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier

953

Deposit Growth Rate

growth

Value: -1.39%

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

929

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

888

AMR Growth Rate

growth

Value: -0.36%

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

881

Share Certificate Concentration (%)

balance_sheet

Value: 34.14%

Peer Median: -

#881 of 1069 Bottom 17.7% in 100M-500M tier

876

Asset Growth Rate

growth

Value: 0.68%

Peer Median: -

#876 of 1069 Bottom 18.1% in 100M-500M tier

846

Total Members

engagement

Value: 8,605

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier