BlastPoint's Credit Union Scorecard

IDEAL

Charter #62978 · MN

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 6 in MN

View Mid-Market leaderboard →

IDEAL has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 24.5% in tier
+ Wallet Share Momentum: Top 24.5% in tier
+ Loan-to-Member Ratio (LMR): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 19.8% in tier
- Credit Quality Pressure: Bottom 20.8% in tier
- Credit Risk Growth: Bottom 58.7% in tier
- Membership Headwinds: Bottom 83.4% in tier
- Stagnation Risk: Bottom 83.4% in tier
- ROA 0.17% below tier average
- Efficiency ratio 2.86% above tier (higher cost structure)
- Total Members: Bottom 4.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	48,369 -1.7% YoY-0.6% QoQ	-47.7K	96,048 -2.7% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	Bottom 4.6% in tier
Assets	$1.1B +2.2% YoY+0.6% QoQ	$-632.6M	$1.7B +0.4% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	Bottom 8.2% in tier
Loans	$878.3M +4.1% YoY-1.0% QoQ	$-335.4M	$1.2B +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	24%
Deposits	$915.8M +4.3% YoY+1.2% QoQ	$-549.7M	$1.5B +0.5% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	Bottom 7.2% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +103.5% YoY+78.2% QoQ	-0.2%	0.7% +27.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	38%
NIM	3.3% +2.3% YoY+2.0% QoQ	+0.0%	3.4% +6.2% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	77.5% -4.7% YoY-4.1% QoQ	+2.9%	74.6% -3.0% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.8% +29.6% YoY-11.5% QoQ	+0.0	0.8% +6.9% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	67%
Loan To Share	95.9% -0.2% YoY-2.2% QoQ	+12.7%	83.2% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	83%
AMR	$37,092 +6.0% YoY+0.7% QoQ	+$7K	$29,652 +2.3% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	Top 14.1% in tier
CD Concentration	24.0% +8.2% YoY-4.8% QoQ	-4.9%	28.8%	22.6%	19.8%	28%
Indirect Auto %	10.5% +4.8% YoY+14.9% QoQ	-7.6%	18.1%	6.4%	7.7%	39%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#27 of 64 • Top 24.5% 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): 6.02%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.5K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#93 of 125 • Top 24.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.02%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#79 of 225 • Bottom 20.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#96 of 183 • Bottom 58.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.09%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.18% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk

#90 of 148 • Bottom 19.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.90%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.09%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Membership Headwinds

decline

#64 of 91 • Bottom 83.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.73%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#65 of 91 • Bottom 83.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.73%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.09%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.80%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (3 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $18,158

Peer Median: $12,733

#29 of 306 Top 9.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,092

Peer Median: $28,178

#43 of 306 Top 13.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.90%

Peer Median: 85.31%

#52 of 306 Top 16.7% in 1B-3B tier

Top Weaknesses (7 metrics)

292

Total Members

engagement

Value: 48,369

Peer Median: 85,918

#292 of 306 Bottom 4.9% in 1B-3B tier

284

Total Deposits

balance_sheet

Value: $915.81M

Peer Median: $1.31B

#284 of 306 Bottom 7.5% in 1B-3B tier

281

Total Assets

balance_sheet

Value: $1.09B

Peer Median: $1.51B

#281 of 306 Bottom 8.5% in 1B-3B tier

252

Member Growth Rate

growth

Value: -1.73%

Peer Median: 2.03%

#252 of 306 Bottom 18.0% in 1B-3B tier

245

Members Per Employee (MPE)

engagement

Value: 291.380

Peer Median: 345.077

#245 of 306 Bottom 20.3% in 1B-3B tier

237

Asset Growth Rate

growth

Value: 2.24%

Peer Median: 4.82%

#237 of 306 Bottom 22.9% in 1B-3B tier

231

Total Loans

balance_sheet

Value: $878.27M

Peer Median: $1.11B

#231 of 306 Bottom 24.8% in 1B-3B tier