BlastPoint's Credit Union Scorecard
DANFOSS EMPLOYEES
Charter #62950 · MN
2596 CUs in <100M nationally
38 in MN
DANFOSS EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.5% in tier
- + Member Growth Rate: Top 8.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.69% below tier average
- - Efficiency ratio 18.66% above tier (higher cost structure)
- - Delinquency rate 4.91% above tier average
- - Asset Growth Rate: Bottom 1.6% in tier
- - Deposit Growth Rate: Bottom 1.8% in tier
- - AMR Growth Rate: Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- - Total Members: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
351
+4.2% YoY+0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 9.5% in tier |
| Assets |
$2.2M
-16.7% YoY+0.1% QoQ
|
$-27.7M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.6% in tier |
| Loans |
$1.8M
-11.3% YoY-9.7% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$1.8M
-18.4% YoY-0.2% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.4% in tier |
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| ROA |
-0.0%
-100.3% YoY-98.7% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
6.7%
+7.0% YoY+2.1% QoQ
|
+2.7% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.1% in tier |
| Efficiency Ratio |
100.1%
+28.2% YoY-4.2% QoQ
|
+18.7% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 10.9% in tier |
| Delinquency Rate |
6.4%
+75.5% YoY+16.4% QoQ
|
+4.9 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 4.0% in tier |
| Loan To Share |
99.2%
+8.7% YoY-9.5% QoQ
|
+37.9% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 4.7% in tier |
| AMR |
$10,459
-18.4% YoY-5.5% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
11.7%
+170.4% YoY+46.9% QoQ
|
-12.7% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
55
Net Interest Margin (NIM)
profitability
Value:
6.68%
Peer Avg: -
#55 of 2596
Top 2.1% in <100M tier
117
Loan-to-Share Ratio
balance_sheet
Value:
99.16%
Peer Avg: -
#117 of 2596
Top 4.5% in <100M tier
212
Member Growth Rate
growth
Value:
4.15%
Peer Avg: -
#212 of 2596
Top 8.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (11 metrics)
2556
Asset Growth Rate
growth
Value:
-16.71%
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2549
Deposit Growth Rate
growth
Value:
-18.38%
Peer Avg: -
#2549 of 2596
Bottom 1.8% in <100M tier
2529
AMR Growth Rate
growth
Value:
-18.37%
Peer Avg: -
#2529 of 2596
Bottom 2.6% in <100M tier
2493
Total Delinquency Rate (60+ days)
risk
Value:
6.42%
Peer Avg: -
#2493 of 2596
Bottom 4.0% in <100M tier
2347
Total Members
engagement
Value:
351
Peer Avg: -
#2347 of 2596
Bottom 9.6% in <100M tier
2321
Total Assets
balance_sheet
Value:
$2.17M
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2313
Efficiency Ratio
profitability
Value:
100.06%
Peer Avg: -
#2313 of 2596
Bottom 10.9% in <100M tier
2299
Total Deposits
balance_sheet
Value:
$1.84M
Peer Avg: -
#2299 of 2596
Bottom 11.5% in <100M tier
2185
Return on Assets (ROA)
profitability
Value:
-0.00%
Peer Avg: -
#2185 of 2596
Bottom 15.9% in <100M tier
2166
Total Loans
balance_sheet
Value:
$1.83M
Peer Avg: -
#2166 of 2596
Bottom 16.6% in <100M tier