BlastPoint's Credit Union Scorecard

CO-OP CREDIT UNION OF MONTEVIDEO

Charter #62419 · MN

100M-500M

1070 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 1.23% above tier average
+ Efficiency Ratio: Top 2.1% in tier
+ Total Assets: Top 7.6% in tier
+ Total Loans: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 2.00% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	17,910 +3.1% YoY+0.9% QoQ	+2.8K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	69%
Assets	$423.8M +9.7% YoY+5.9% QoQ	+$192.1M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	Top 7.7% in tier
Loans	$275.4M +9.1% YoY+0.6% QoQ	+$131.2M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Top 8.6% in tier
Deposits	$355.4M +9.1% YoY+6.4% QoQ	+$154.3M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% 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	2.0% +34.3% YoY+13.4% QoQ	+1.2%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	Top 4.4% in tier
NIM	3.4% +4.7% YoY-0.0% QoQ	-0.2%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	49.8% -10.4% YoY-4.1% QoQ	-28.2%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	Top 2.1% in tier
Delinquency Rate	2.8% +35.5% YoY-1.4% QoQ	+2.0	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	Bottom 2.5% in tier
Loan To Share	77.5% -0.0% YoY-5.4% QoQ	+7.1%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	61%
AMR	$35,221 +5.8% YoY+2.9% QoQ	+$10K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	Top 9.7% in tier
CD Concentration	34.7% +7.7% YoY+2.9% QoQ	+10.4%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#24 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.12%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.95%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(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

Organic Growth Leader

growth

#149 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): 3.12%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(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

#112 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): 5.79%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.3K

(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 improving

Wallet Share Momentum

growth

#401 of 491 • 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): 5.79%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#41 of 476 • 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): 9.07%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.73% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#66 of 727 • 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): 0.73% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 49.81%

Peer Median: 78.68%

#23 of 1070 Top 2.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.95%

Peer Median: 0.69%

#47 of 1070 Top 4.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $423.85M

Peer Median: $196.57M

#82 of 1070 Top 7.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $275.39M

Peer Median: $121.41M

#92 of 1070 Top 8.5% in 100M-500M tier

103

Total Deposits

balance_sheet

Value: $355.41M

Peer Median: $171.29M

#103 of 1070 Top 9.5% in 100M-500M tier

104

Average Member Relationship (AMR)

engagement

Value: $35,221

Peer Median: $22,931

#104 of 1070 Top 9.6% in 100M-500M tier

110

Loan-to-Member Ratio (LMR)

engagement

Value: $15,376

Peer Median: $9,356

#110 of 1070 Top 10.2% in 100M-500M tier

118

Asset Growth Rate

growth

Value: 9.70%

Peer Median: 3.91%

#118 of 1070 Top 10.9% in 100M-500M tier

129

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#129 of 1070 Top 12.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1044

Total Delinquency Rate (60+ days)

risk

Value: 2.77%

Peer Median: 0.61%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

910

Share Certificate Concentration (%)

balance_sheet

Value: 34.69%

Peer Median: 23.10%

#910 of 1070 Bottom 15.0% in 100M-500M tier