BlastPoint's Credit Union Scorecard

RED WING

Charter #61778 · MN

100M-500M

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

RED WING has 5 strengths but faces 2 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 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.32% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	9,714 +1.5% YoY+0.0% QoQ	-5.7K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	30%
Assets	$205.0M +8.1% YoY-0.2% QoQ	$-26.8M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	52%
Loans	$106.6M +3.3% YoY-0.9% QoQ	$-40.7M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	39%
Deposits	$182.4M +6.3% YoY-0.7% QoQ	$-18.4M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	53%

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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	1.1% -2.1% YoY-2.4% QoQ	+0.3%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	73%
NIM	3.1% +8.9% YoY+1.5% QoQ	-0.5%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	68.7% +0.3% YoY+1.2% QoQ	-8.4%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.4% +7.2% YoY+28.6% QoQ	-0.5	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	20%
Loan To Share	58.5% -2.9% YoY-0.2% QoQ	-13.8%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	20%
AMR	$29,756 +3.6% YoY-0.8% QoQ	+$5K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	82%
CD Concentration	24.8% -1.1% YoY-0.9% QoQ	+0.4%	24.4%	22.0%	19.8%	50%
Indirect Auto %	2.3% -11.0% YoY-5.1% QoQ	-11.5%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#310 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.08%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 2.34%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#183 of 268 • 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): 3.61%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Organic Growth Leader

growth

#307 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 2.34%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#145 of 182 • 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: 1.08%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.48%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#660 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): 0.02% points

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

but better than tier avg

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

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#430 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): 3.25%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

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

but better 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 (5 metrics)

134

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

198

Average Member Relationship (AMR)

engagement

Value: $29,756

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

218

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

236

Efficiency Ratio

profitability

Value: 68.66%

Peer Median: -

#236 of 1069 Top 22.0% in 100M-500M tier

241

Asset Growth Rate

growth

Value: 8.13%

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (2 metrics)

852

Loan-to-Share Ratio

balance_sheet

Value: 58.45%

Peer Median: -

#852 of 1069 Bottom 20.4% in 100M-500M tier

828

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier