BlastPoint's Credit Union Scorecard

PIPEFITTERS-STEAMFITTERS

Charter #63157 · MN

<100M

2508 CUs in <100M nationally 38 in MN

PIPEFITTERS-STEAMFITTERS has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.16% above tier average
+ Net Interest Margin 0.75% above tier average
+ Member Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	3,768 +4.1% YoY+0.6% QoQ	+1.1K	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	77%
Assets	$51.6M +2.2% YoY+2.3% QoQ	+$21.4M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	78%
Loans	$25.6M -6.8% YoY-3.0% QoQ	+$10.3M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	78%
Deposits	$44.5M +1.2% YoY+2.6% QoQ	+$18.8M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	78%

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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	1.3% -36.1% YoY-5.3% QoQ	+1.2%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	80%
NIM	4.8% -1.9% YoY-6.2% QoQ	+0.7%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	75.1% +21.9% YoY+14.8% QoQ	-15.6%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	1.0% +9.4% YoY+74.5% QoQ	-0.5	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	63%
Loan To Share	57.4% -7.8% YoY-5.5% QoQ	-1.1%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	49%
AMR	$18,610 -5.7% YoY-0.2% QoQ	+$4K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	72%
CD Concentration	5.7% -38.0% YoY-8.7% QoQ	-18.6%	24.3%	22.6%	19.8%	50%
Indirect Auto %	12.4% -6.2% YoY-0.8% QoQ	-1.4%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

211

Member Growth Rate

growth

Value: 4.06%

Peer Median: -1.37%

#211 of 2508 Top 8.4% in <100M tier

406

Net Interest Margin (NIM)

profitability

Value: 4.76%

Peer Median: 3.83%

#406 of 2508 Top 16.1% in <100M tier

449

Members Per Employee (MPE)

engagement

Value: 471.000

Peer Median: 333.750

#449 of 2508 Top 17.9% in <100M tier

508

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: 0.61%

#508 of 2508 Top 20.2% in <100M tier

543

Total Deposits

balance_sheet

Value: $44.54M

Peer Median: $18.77M

#543 of 2508 Top 21.6% in <100M tier

545

Total Loans

balance_sheet

Value: $25.58M

Peer Median: $9.48M

#545 of 2508 Top 21.7% in <100M tier

547

Total Assets

balance_sheet

Value: $51.63M

Peer Median: $21.86M

#547 of 2508 Top 21.8% in <100M tier

581

Total Members

engagement

Value: 3,768

Peer Median: 1,918

#581 of 2508 Top 23.1% in <100M tier

Top Weaknesses (2 metrics)

2319

Indirect Auto Concentration (%)

balance_sheet

Value: 12.43%

Peer Median: 0.00%

#2319 of 2508 Bottom 7.6% in <100M tier

2136

AMR Growth Rate

growth

Value: -5.70%

Peer Median: 1.27%

#2136 of 2508 Bottom 14.9% in <100M tier