BlastPoint's Credit Union Scorecard

RED WING

Charter #61778 · MN

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

RED WING demonstrates 5 strengths

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 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + Relationship Depth Leader: Top 50.0% in tier
  • + ROA 0.54% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 9,734
+1.2% YoY+0.2% QoQ
 -5.4K 15,145
-2.5% YoY
 22,507
-13.7% YoY
 33,913
+5.7% YoY
 31%
Assets $207.8M
+3.7% YoY+1.3% QoQ
 $-23.9M $231.7M
+0.8% YoY
 $434.0M
-15.1% YoY
 $578.3M
+9.0% YoY
 53%
Loans $107.2M
+3.2% YoY+0.6% QoQ
 $-36.9M $144.1M
+0.2% YoY
 $293.6M
-17.5% YoY
 $402.4M
+8.7% YoY
 41%
Deposits $184.8M
+2.2% YoY+1.3% QoQ
 $-16.3M $201.1M
+0.4% YoY
 $364.1M
-13.5% YoY
 $494.3M
+9.1% YoY
 54%

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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 1.3%
+36.3% YoY+17.4% QoQ
 +0.5% 0.7%
+5.1% YoY
 0.2%
-92.6% YoY
 0.4%
-39.2% YoY
 82%
NIM 3.2%
+8.3% YoY+4.0% QoQ
 -0.4% 3.6%
+4.6% YoY
 3.7%
+5.4% YoY
 3.8%
+4.1% YoY
 27%
Efficiency Ratio 65.9%
-8.0% YoY-4.0% QoQ
 -12.1% 78.0%
-1.7% YoY
 102.0%
+29.5% YoY
 84.6%
+2.8% YoY
 17%
Delinquency Rate 0.4%
-2.9% YoY+1.4% QoQ
 -0.4 0.8%
+7.1% YoY
 0.8%
-5.2% YoY
 1.2%
+3.4% YoY
 27%
Loan To Share 58.0%
+1.0% YoY-0.8% QoQ
 -12.4% 70.4%
-0.4% YoY
 73.2%
-2.1% YoY
 65.6%
-1.4% YoY
 23%
AMR $30,003
+1.3% YoY+0.8% QoQ
 +$5K $24,918
+2.7% YoY
 $24,012
+4.3% YoY
 $19,920
+1.6% YoY
 81%
CD Concentration 24.0%
+0.1% YoY-3.5% QoQ
 -0.3% 24.3% 22.6% 19.8% 50%
Indirect Auto % 2.3%
-15.0% YoY-3.3% QoQ
 -11.5% 13.8% 6.4% 7.7% 50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#210 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.25%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 1.27%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 2.26%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth
#119 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.27%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 1.25%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth
#290 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.25%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 2.26%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth
#250 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 1.29%
(Tier: 3.74%, National: 6.36%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $3.0K, National: $2.1K)
better than tier avg
257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally
↑ Growing +27 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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)

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

143
Net Charge-Off Rate
risk
Value: 0.06%
Peer Median: 0.35%
#143 of 1070 Top 13.3% in 100M-500M tier
182
Efficiency Ratio
profitability
Value: 65.92%
Peer Median: 78.68%
#182 of 1070 Top 16.9% in 100M-500M tier
192
Return on Assets (ROA)
profitability
Value: 1.27%
Peer Median: 0.69%
#192 of 1070 Top 17.9% in 100M-500M tier
201
Average Member Relationship (AMR)
engagement
Value: $30,003
Peer Median: $22,931
#201 of 1070 Top 18.7% in 100M-500M tier

Top Weaknesses (1 metrics)

825
Loan-to-Share Ratio
balance_sheet
Value: 58.01%
Peer Median: 71.88%
#825 of 1070 Bottom 23.0% in 100M-500M tier
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