BlastPoint's Credit Union Scorecard
GREATER COMMUNITY
Charter #61624 · MN
GREATER COMMUNITY has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.80% above tier average
- + Net Charge-Off Rate: Top 0.3% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + Net Worth Ratio: Top 3.1% in tier
- + Average Member Relationship (AMR): Top 3.6% 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
- - Net Interest Margin (NIM): Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +6.3% year over year ($235M in shares and deposits).
- Membership: 8,631 members, +0.2% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 1.66%.
- Efficiency ratio 45.57% vs a 76.73% peer average.
- Loan-to-share ratio 73.61% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,631
+0.2% YoY+3.7% QoQ
|
-6.5K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$296.5M
+6.7% YoY+0.6% QoQ
|
+$64.5M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$173.0M
+5.4% YoY+3.8% QoQ
|
+$26.7M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$235.0M
+6.3% YoY+0.2% QoQ
|
+$34.3M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
67% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
+4.6% YoY+10.6% QoQ
|
+0.8% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Top 8.6% in tier |
| NIM |
2.8%
+2.0% YoY+2.8% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio |
45.6%
-1.1% YoY-7.6% QoQ
|
-31.2% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
0.5%
-28.1% YoY-12.4% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
73.6%
-0.8% YoY+3.6% QoQ
|
+2.1% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$47,263
+5.7% YoY-1.9% QoQ
|
+$22K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
Top 3.7% in tier |
| CD Concentration |
33.7%
-6.1% YoY+0.5% QoQ
|
+9.2% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)