BlastPoint's Credit Union Scorecard

CO-OP CREDIT UNION OF MONTEVIDEO

Charter #62419 · MN

100M-500M

1024 CUs in 100M-500M nationally 31 in MN

CO-OP CREDIT UNION OF MONTEVIDEO has 8 strengths but faces 4 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
+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.05% above tier average
+ Efficiency Ratio: Top 1.7% in tier
+ Total Assets: Top 8.2% in tier
+ Total Loans: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 2.30% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.1% 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 +9.6% year over year ($353M in shares and deposits).
Membership: 18,059 members, +3.4% vs a year ago.
Delinquency rate 3.18%.
Return on assets 1.91%.
Efficiency ratio 48.10% vs a 76.73% peer average.
Loan-to-share ratio 80.65% 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	18,059 +3.4% YoY+0.8% QoQ	+2.9K	15,168 -2.6% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	70%
Assets	$422.8M +10.0% YoY-0.2% QoQ	+$190.8M	$232.0M +0.7% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	Top 8.3% in tier
Loans	$284.3M +7.3% YoY+3.2% QoQ	+$138.0M	$146.3M +0.2% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	Top 8.3% in tier
Deposits	$352.5M +9.6% YoY-0.8% QoQ	+$151.8M	$200.7M +0.2% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	Top 9.6% in tier

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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	1.9% +27.1% YoY-2.2% QoQ	+1.0%	0.9% +12.5% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	Top 4.4% in tier
NIM	3.4% +3.9% YoY+0.8% QoQ	-0.3%	3.7% +4.5% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	34%
Efficiency Ratio	48.1% -10.4% YoY-3.4% QoQ	-28.6%	76.7% -0.8% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	Top 1.7% in tier
Delinquency Rate	3.2% +42.9% YoY+14.8% QoQ	+2.3	0.9% +6.6% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	Bottom 2.1% in tier
Loan To Share	80.6% -2.1% YoY+4.1% QoQ	+9.1%	71.5% -0.3% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	66%
AMR	$35,265 +5.0% YoY+0.1% QoQ	+$10K	$25,107 +3.2% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	Top 10.2% in tier
CD Concentration	36.6% +7.9% YoY+5.4% QoQ	+12.0%	24.6%	21.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#20 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.38%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.91%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#129 of 342 • 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): 3.38%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Relationship Depth Leader

growth

#136 of 262 • 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): 5.04%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#480 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.04%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#54 of 693 • 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): 0.96% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Credit Risk Growth

risk

#46 of 472 • 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): 7.34%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.96% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 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 1024 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 48.10%

Peer Median: 77.26%

#18 of 1024 Top 1.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.91%

Peer Median: 0.75%

#45 of 1024 Top 4.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $422.82M

Peer Median: $196.38M

#85 of 1024 Top 8.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $284.31M

Peer Median: $124.04M

#85 of 1024 Top 8.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $352.54M

Peer Median: $170.77M

#98 of 1024 Top 9.5% in 100M-500M tier

101

Asset Growth Rate

growth

Value: 10.04%

Peer Median: 4.12%

#101 of 1024 Top 9.8% in 100M-500M tier

103

Loan-to-Member Ratio (LMR)

engagement

Value: $15,743

Peer Median: $9,434

#103 of 1024 Top 10.0% in 100M-500M tier

104

Average Member Relationship (AMR)

engagement

Value: $35,265

Peer Median: $23,006

#104 of 1024 Top 10.1% in 100M-500M tier

109

Deposit Growth Rate

growth

Value: 9.63%

Peer Median: 3.58%

#109 of 1024 Top 10.5% in 100M-500M tier

Top Weaknesses (2 metrics)

1004

Total Delinquency Rate (60+ days)

risk

Value: 3.18%

Peer Median: 0.71%

#1004 of 1024 Bottom 2.1% in 100M-500M tier

899

Share Certificate Concentration (%)

balance_sheet

Value: 36.58%

Peer Median: 23.39%

#899 of 1024 Bottom 12.3% in 100M-500M tier