BlastPoint's Credit Union Scorecard

PIPEFITTERS-STEAMFITTERS

Charter #63157 · MN

2556 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 0.75% above tier average
+ Net Interest Margin 1.12% above tier average
+ Member Growth Rate: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	3,744 +4.6% YoY+0.6% QoQ	+1.1K	2,615 -1.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	76%
Assets	$50.5M -0.0% YoY+2.1% QoQ	+$20.3M	$30.1M +2.1% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	77%
Loans	$26.4M -4.2% YoY-4.5% QoQ	+$10.6M	$15.8M -1.3% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	78%
Deposits	$43.4M -2.0% YoY+2.6% QoQ	+$17.7M	$25.7M +1.4% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	77%

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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	1.4% +42.1% YoY-19.3% QoQ	+0.8%	0.6% +10.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	80%
NIM	5.1% +13.3% YoY-0.6% QoQ	+1.1%	4.0% +4.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Top 13.0% in tier
Efficiency Ratio	65.4% -7.4% YoY+0.9% QoQ	-17.2%	82.6% -2.3% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	19%
Delinquency Rate	0.6% -33.4% YoY-36.8% QoQ	-1.0	1.6% -3.1% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	44%
Loan To Share	60.8% -2.2% YoY-6.9% QoQ	+0.2%	60.6% -3.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	50%
AMR	$18,638 -7.1% YoY-0.8% QoQ	+$4K	$14,783 -1.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	73%
CD Concentration	6.2% -27.6% YoY-1.9% QoQ	-18.2%	24.4%	22.0%	19.8%	50%
Indirect Auto %	12.5% -1.2% YoY+3.1% QoQ	-1.3%	13.8%	6.5%	7.8%	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 2556 peers in tier

Top Strengths (9 metrics)

170

Member Growth Rate

growth

Value: 4.58%

Peer Median: -

#170 of 2556 Top 6.6% in <100M tier

333

Net Interest Margin (NIM)

profitability

Value: 5.07%

Peer Median: -

#333 of 2556 Top 13.0% in <100M tier

464

Members Per Employee (MPE)

engagement

Value: 468.000

Peer Median: -

#464 of 2556 Top 18.1% in <100M tier

477

Efficiency Ratio

profitability

Value: 65.39%

Peer Median: -

#477 of 2556 Top 18.6% in <100M tier

504

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: -

#504 of 2556 Top 19.7% in <100M tier

551

Total Loans

balance_sheet

Value: $26.38M

Peer Median: -

#551 of 2556 Top 21.5% in <100M tier

577

Total Deposits

balance_sheet

Value: $43.40M

Peer Median: -

#577 of 2556 Top 22.5% in <100M tier

579

Total Assets

balance_sheet

Value: $50.46M

Peer Median: -

#579 of 2556 Top 22.6% in <100M tier

605

Total Members

engagement

Value: 3,744

Peer Median: -

#605 of 2556 Top 23.6% in <100M tier

Top Weaknesses (3 metrics)

2354

Indirect Auto Concentration (%)

balance_sheet

Value: 12.54%

Peer Median: -

#2354 of 2556 Bottom 7.9% in <100M tier

2292

AMR Growth Rate

growth

Value: -7.10%

Peer Median: -

#2292 of 2556 Bottom 10.4% in <100M tier

1937

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: -

#1937 of 2556 Bottom 24.3% in <100M tier