BlastPoint's Credit Union Scorecard
CO-OP CREDIT UNION OF MONTEVIDEO
Charter #62419 · MN
1077 CUs in 100M-500M nationally
31 in MN
CO-OP CREDIT UNION OF MONTEVIDEO has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.0% in tier
- + Relationship Depth Leader: Top 9.4% in tier
- + Organic Growth Leader: Top 13.6% in tier
- + Wallet Share Momentum: Top 20.5% in tier
- + ROA 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
- + Total Loans: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.8% in tier
- - Growth-at-Risk: Bottom 1.5% in tier
- - Liquidity Overhang: Bottom 18.3% in tier
- - Delinquency rate 2.04% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,639
+3.0% YoY+1.0% QoQ
|
+2.0K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$389.1M
+6.5% YoY+1.3% QoQ
|
+$157.8M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 12.3% in tier |
| Loans |
$273.5M
+9.2% YoY+3.3% QoQ
|
+$125.7M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 10.0% in tier |
| Deposits |
$324.3M
+5.6% YoY+0.9% QoQ
|
+$124.0M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Top 14.0% in tier |
| ROA |
1.6%
+32.7% YoY+9.1% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 8.5% in tier |
| NIM |
3.4%
+21.0% YoY+2.4% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
51.7%
-15.6% YoY-3.8% QoQ
|
-25.6% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
2.9%
+89.2% YoY+30.0% QoQ
|
+2.0 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 2.6% in tier |
| Loan To Share |
84.3%
+3.4% YoY+2.4% QoQ
|
+11.6% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$33,893
+4.2% YoY+1.0% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 10.8% in tier |
| CD Concentration |
34.4%
+1.2% YoY+1.4% QoQ
|
+10.0% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#56 of 603 • Top 3.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.96%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.64%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#261 of 1006 • Top 9.4% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.16%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.8K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#180 of 430 • Top 13.6% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.96%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#566 of 1006 • Top 20.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.16%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (3)
Credit Quality Pressure
risk
#22 of 736 • Bottom 0.8% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
1.36% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#24 of 446 • Bottom 1.5% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.19%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
1.36% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#284 of 552 • Bottom 18.3% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
15.60%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
84.33%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
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)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
30
Efficiency Ratio
profitability
Value:
51.66%
Peer Avg: 77.28%
#30 of 1077
Top 2.7% in 100M-500M tier
92
Return on Assets (ROA)
profitability
Value:
1.64%
Peer Avg: 0.79%
#92 of 1077
Top 8.4% in 100M-500M tier
96
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,506
Peer Avg: $10,245
#96 of 1077
Top 8.8% in 100M-500M tier
108
Total Loans
balance_sheet
Value:
$273.51M
Peer Avg: $147.80M
#108 of 1077
Top 9.9% in 100M-500M tier
116
Average Member Relationship (AMR)
engagement
Value:
$33,893
Peer Avg: $24,363
#116 of 1077
Top 10.7% in 100M-500M tier
133
Total Assets
balance_sheet
Value:
$389.07M
Peer Avg: $231.30M
#133 of 1077
Top 12.3% in 100M-500M tier
139
Net Worth Ratio
risk
Value:
15.60%
Peer Avg: 12.15%
#139 of 1077
Top 12.8% in 100M-500M tier
151
Total Deposits
balance_sheet
Value:
$324.33M
Peer Avg: $200.29M
#151 of 1077
Top 13.9% in 100M-500M tier
193
Loan Growth Rate
growth
Value:
9.19%
Peer Avg: 3.45%
#193 of 1077
Top 17.8% in 100M-500M tier
Top Weaknesses (2 metrics)
1050
Total Delinquency Rate (60+ days)
risk
Value:
2.89%
Peer Avg: 0.86%
#1050 of 1077
Bottom 2.6% in 100M-500M tier
900
Share Certificate Concentration (%)
balance_sheet
Value:
34.38%
Peer Avg: 23.61%
#900 of 1077
Bottom 16.5% in 100M-500M tier