BlastPoint's Credit Union Scorecard
IDEAL
Charter #62978 · MN
IDEAL has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 48.7% in tier
- + Loan-to-Member Ratio (LMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.9% in tier
- - Credit Quality Pressure: Bottom 34.1% in tier
- - Credit Risk Growth: Bottom 71.2% in tier
- - Stagnation Risk: Bottom 89.2% in tier
- - Membership Headwinds: Bottom 89.2% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 2.61% above tier (higher cost structure)
- - Member decline: -2.7% YoY
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Minnesota.
- Shares and deposits -1.0% year over year ($895M in shares and deposits).
- Membership: 48,045 members, -2.7% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.56%.
- Efficiency ratio 75.63% vs a 73.02% peer average.
- Loan-to-share ratio 99.49% vs a 84.71% 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 |
48,045
-2.7% YoY-0.7% QoQ
|
-48.8K |
96,861
-1.9% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 5.3% in tier |
| Assets |
$1.1B
-1.6% YoY-1.7% QoQ
|
$-655.7M |
$1.7B
+0.4% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.0% in tier |
| Loans |
$890.3M
+2.3% YoY+1.4% QoQ
|
$-344.0M |
$1.2B
+0.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$894.8M
-1.0% YoY-2.3% QoQ
|
$-568.5M |
$1.5B
+0.5% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+46.2% YoY+1.3% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.4%
+6.5% YoY+3.4% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
75.6%
-5.1% YoY-2.4% QoQ
|
+2.6% |
73.0%
-2.7% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.8%
+15.8% YoY-2.3% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
99.5%
+3.3% YoY+3.7% QoQ
|
+14.8% |
84.7%
+0.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
85% |
| AMR |
$37,154
+3.4% YoY+0.2% QoQ
|
+$8K |
$29,575
+1.5% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
Top 12.3% in tier |
| CD Concentration |
21.3%
-15.1% YoY-11.3% QoQ
|
-7.8% | 29.1% | 21.9% | 20.0% | 16% |
| Indirect Auto % |
10.2%
+6.8% YoY-2.7% QoQ
|
-7.9% | 18.1% | 6.4% | 7.7% | 38% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)