BlastPoint's Credit Union Scorecard
DANFOSS EMPLOYEES
Charter #62950 · MN
DANFOSS EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.45% above tier average
- + Loan-to-Share Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 25.06% above tier (higher cost structure)
- - Delinquency rate 7.17% above tier average
- - AMR Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 3.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits -16.3% year over year ($1.5M in shares and deposits).
- Membership: 350 members, +0.0% vs a year ago.
- Delinquency rate 8.72%.
- Return on assets 1.02%.
- Efficiency ratio 113.83% vs a 88.77% peer average.
- Loan-to-share ratio 97.00% vs a 58.89% 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 |
350
0% YoY0% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 9.3% in tier |
| Assets |
$1.9M
-13.7% YoY-10.8% QoQ
|
$-28.4M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.6% in tier |
| Loans |
$1.5M
-25.9% YoY-3.9% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.5% in tier |
| Deposits |
$1.5M
-16.3% YoY-13.5% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.5% in tier |
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| ROA |
1.0%
-399.9% YoY-197.2% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
6.3%
-3.0% YoY+3.0% QoQ
|
+2.4% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
113.8%
+9.0% YoY-1.0% QoQ
|
+25.1% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate |
8.7%
+58.0% YoY+67.6% QoQ
|
+7.2 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
97.0%
-11.5% YoY+11.1% QoQ
|
+38.1% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 4.4% in tier |
| AMR |
$8,707
-21.3% YoY-9.0% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
1.1%
-85.9% YoY-74.5% QoQ
|
-23.4% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)