BlastPoint's Credit Union Scorecard
IDEAL
Charter #62978 · MN
IDEAL has 3 strengths but faces 10 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 31.2% in tier
- + Wallet Share Momentum: Top 68.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 39.3% in tier
- - Liquidity Strain: Bottom 48.5% in tier
- - Membership Headwinds: Bottom 73.8% in tier
- - Stagnation Risk: Bottom 79.8% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 6.76% above tier (higher cost structure)
- - Delinquency rate 0.01% above tier average
- - Total Members: Bottom 4.3% in tier
- - Total Deposits: Bottom 7.0% in tier
- - Total Assets: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,681
-1.4% YoY-0.8% QoQ
|
-48.8K |
97,431
-2.4% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 4.0% in tier |
| Assets |
$1.1B
+4.1% YoY-0.9% QoQ
|
$-642.6M |
$1.7B
+0.9% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.9% in tier |
| Loans |
$887.2M
+4.5% YoY+1.4% QoQ
|
$-347.2M |
$1.2B
+0.5% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$905.2M
+6.0% YoY-1.0% QoQ
|
$-554.1M |
$1.5B
+0.9% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.3%
-3.9% YoY-12.4% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.3%
+1.4% YoY+0.9% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
80.8%
+0.4% YoY+0.9% QoQ
|
+6.8% |
74.1%
-9.5% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.9%
-4.6% YoY+30.3% QoQ
|
+0.0 |
0.9%
+6.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
98.0%
-1.4% YoY+2.4% QoQ
|
+13.2% |
84.8%
-0.8% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$36,820
+6.7% YoY+1.0% QoQ
|
+$7K |
$29,428
+2.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 13.2% in tier |
| CD Concentration |
25.2%
+9.2% YoY-1.2% QoQ
|
-3.8% | 29.0% | 22.0% | 19.8% | 34% |
| Indirect Auto % |
9.1%
-10.8% YoY-3.2% QoQ
|
-9.2% | 18.3% | 6.5% | 7.8% | 35% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)