BlastPoint's Credit Union Scorecard
MOWER COUNTY CATHOLIC PARISHES
Charter #63258 · MN
MOWER COUNTY CATHOLIC PARISHES has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.90% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Delinquency rate 1.12% above tier average
- - Asset Growth Rate: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 5.4% in tier
- - Net Charge-Off Rate: Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 5.7% in tier
- - Share Certificate Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,012
+1.2% YoY+0.4% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$6.6M
-9.9% YoY-1.8% QoQ
|
$-23.5M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$4.6M
-7.4% YoY-1.6% QoQ
|
$-11.2M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$5.4M
-11.4% YoY-2.1% QoQ
|
$-20.3M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
-0.5%
-133.9% YoY-14.8% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.2% in tier |
| NIM |
4.9%
+8.8% YoY-0.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
79.1%
+16.7% YoY+16.3% QoQ
|
-3.5% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
2.7%
-46.3% YoY-3.1% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
85.4%
+4.5% YoY+0.5% QoQ
|
+24.8% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 14.8% in tier |
| AMR |
$9,845
-10.7% YoY-2.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
40.6%
+22.2% YoY+4.0% QoQ
|
+16.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)