BlastPoint's Credit Union Scorecard

IDEAL

Charter #62978 · MN

Mid-Market 1B-3B

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

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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 22.7% in tier
+ Wallet Share Momentum: Top 52.2% in tier
+ Loan-to-Member Ratio (LMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 20.2% in tier
- Efficiency Drag: Bottom 21.3% in tier
- Stagnation Risk: Bottom 22.6% in tier
- Membership Headwinds: Bottom 23.0% in tier
- ROA 0.35% below tier average
- Efficiency ratio 6.12% above tier (higher cost structure)
- Total Members: Bottom 5.6% in tier
- Total Deposits: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	49,087 -1.7% YoY-0.6% QoQ	-49.6K	98,678 -1.9% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	Bottom 5.3% in tier
Assets	$1.1B +5.5% YoY+0.4% QoQ	$-629.2M	$1.7B +0.5% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	Bottom 10.5% in tier
Loans	$874.9M +4.1% YoY+0.5% QoQ	$-358.1M	$1.2B +0.5% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	22%
Deposits	$914.3M +7.3% YoY+1.1% QoQ	$-540.0M	$1.5B +1.3% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	Bottom 8.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -23.1% YoY-7.5% QoQ	-0.4%	0.7% +13.4% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	19%
NIM	3.2% +0.4% YoY+0.1% QoQ	-0.0%	3.3% +9.3% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	47%
Efficiency Ratio	80.1% -0.3% YoY+0.5% QoQ	+6.1%	74.0% -10.9% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	72%
Delinquency Rate	0.7% -32.1% YoY+2.9% QoQ	-0.1	0.8% +6.1% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	51%
Loan To Share	95.7% -3.0% YoY-0.6% QoQ	+10.5%	85.2% -0.8% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	77%
AMR	$36,450 +7.5% YoY+1.4% QoQ	+$7K	$29,172 +2.8% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	Top 12.8% in tier
CD Concentration	25.5% +3.4% YoY+1.8% QoQ	-3.5%	29.0% +0.7% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	35%
Indirect Auto %	9.4% -12.3% YoY-1.4% QoQ	-9.3%	18.8% -3.0% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	34%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#16 of 67 • Top 22.7% 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): 7.54%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank improving

Wallet Share Momentum

growth

#61 of 116 • Top 52.2% in tier

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

Why This Signature

AMR Growth (YoY): 7.54%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#107 of 183 • Bottom 20.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.70%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 4.06%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Efficiency Drag

risk

#71 of 96 • Bottom 21.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.09%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.71%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Stagnation Risk

risk

#55 of 85 • Bottom 22.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.71%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.06%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.70%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Membership Headwinds

decline

#56 of 85 • Bottom 23.0% in tier

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

Why This Signature

Member Growth (YoY): -1.71%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY

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 304 peers in tier

Top Strengths (4 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $17,824

Peer Avg: -

#30 of 304 Top 9.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,450

Peer Avg: -

#39 of 304 Top 12.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.54%

Peer Avg: -

#51 of 304 Top 16.4% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.70%

Peer Avg: -

#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (7 metrics)

288

Total Members

engagement

Value: 49,087

Peer Avg: -

#288 of 304 Bottom 5.6% in 1B-3B tier

277

Total Deposits

balance_sheet

Value: $914.29M

Peer Avg: -

#277 of 304 Bottom 9.2% in 1B-3B tier

272

Total Assets

balance_sheet

Value: $1.09B

Peer Avg: -

#272 of 304 Bottom 10.9% in 1B-3B tier

251

Member Growth Rate

growth

Value: -1.71%

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier

247

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Avg: -

#247 of 304 Bottom 19.1% in 1B-3B tier

243

Members Per Employee (MPE)

engagement

Value: 293.934

Peer Avg: -

#243 of 304 Bottom 20.4% in 1B-3B tier

236

Total Loans

balance_sheet

Value: $874.94M

Peer Avg: -

#236 of 304 Bottom 22.7% in 1B-3B tier