BlastPoint's Credit Union Scorecard
ELY AREA
Charter #63398 · MN
ELY AREA has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.33% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 3.1% in tier
- + Total Assets: Top 9.6% in tier
- + Asset Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,523
-1.8% YoY-1.8% QoQ
|
+1.8K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$75.2M
+8.7% YoY+2.8% QoQ
|
+$45.0M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
Top 9.6% in tier |
| Loans |
$25.7M
+3.8% YoY+0.5% QoQ
|
+$10.4M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$63.0M
+7.1% YoY+2.5% QoQ
|
+$37.2M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Top 10.7% in tier |
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| ROA |
2.5%
+12.8% YoY+6.5% QoQ
|
+2.3% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Top 3.3% in tier |
| NIM |
4.0%
+6.6% YoY+3.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
45.2%
-8.1% YoY-5.4% QoQ
|
-45.5% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
40.8%
-3.1% YoY-2.0% QoQ
|
-17.7% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$19,617
+8.1% YoY+3.8% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 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)