BlastPoint's Credit Union Scorecard
DANFOSS EMPLOYEES
Charter #62950 · MN
2556 CUs in <100M nationally
38 in MN
DANFOSS EMPLOYEES has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.88% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.4% in tier
- + Member Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 15.43% above tier (higher cost structure)
- - Delinquency rate 4.88% above tier average
- - Asset Growth Rate: Bottom 1.8% in tier
- - Deposit Growth Rate: Bottom 1.9% in tier
- - AMR Growth Rate: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Total Members: Bottom 9.4% in tier
- - Total Assets: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
350
+3.9% YoY-0.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 9.3% in tier |
| Assets |
$2.0M
-15.8% YoY-8.1% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.5% in tier |
| Loans |
$1.8M
-8.9% YoY-3.6% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$1.7M
-18.2% YoY-9.2% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.3% in tier |
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| ROA |
-0.3%
-282.0% YoY+7590.4% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.6% in tier |
| NIM |
6.8%
+4.7% YoY+2.3% QoQ
|
+2.9% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
98.0%
+11.3% YoY-2.1% QoQ
|
+15.4% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
6.4%
+71.6% YoY+0.1% QoQ
|
+4.9 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 4.3% in tier |
| Loan To Share |
105.2%
+11.3% YoY+6.1% QoQ
|
+44.6% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 2.5% in tier |
| AMR |
$9,818
-16.9% YoY-6.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
8.9%
+9.8% YoY-23.7% QoQ
|
-15.5% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
41
Net Interest Margin (NIM)
profitability
Value:
6.83%
Peer Median: -
#41 of 2556
Top 1.6% in <100M tier
63
Loan-to-Share Ratio
balance_sheet
Value:
105.25%
Peer Median: -
#63 of 2556
Top 2.4% in <100M tier
205
Member Growth Rate
growth
Value:
3.86%
Peer Median: -
#205 of 2556
Top 8.0% in <100M tier
Top Weaknesses (11 metrics)
2511
Asset Growth Rate
growth
Value:
-15.75%
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2508
Deposit Growth Rate
growth
Value:
-18.20%
Peer Median: -
#2508 of 2556
Bottom 1.9% in <100M tier
2489
AMR Growth Rate
growth
Value:
-16.90%
Peer Median: -
#2489 of 2556
Bottom 2.7% in <100M tier
2447
Total Delinquency Rate (60+ days)
risk
Value:
6.43%
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2317
Total Members
engagement
Value:
350
Peer Median: -
#2317 of 2556
Bottom 9.4% in <100M tier
2314
Total Assets
balance_sheet
Value:
$1.99M
Peer Median: -
#2314 of 2556
Bottom 9.5% in <100M tier
2294
Total Deposits
balance_sheet
Value:
$1.67M
Peer Median: -
#2294 of 2556
Bottom 10.3% in <100M tier
2286
Return on Assets (ROA)
profitability
Value:
-0.34%
Peer Median: -
#2286 of 2556
Bottom 10.6% in <100M tier
2211
Efficiency Ratio
profitability
Value:
97.99%
Peer Median: -
#2211 of 2556
Bottom 13.5% in <100M tier
2148
Total Loans
balance_sheet
Value:
$1.76M
Peer Median: -
#2148 of 2556
Bottom 16.0% in <100M tier