BlastPoint's Credit Union Scorecard
ELY AREA
Charter #63398 · MN
ELY AREA has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,605
-0.4% YoY-0.9% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$73.2M
+8.6% YoY-0.6% QoQ
|
+$43.0M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Top 11.0% in tier |
| Loans |
$25.6M
+3.9% YoY+1.0% QoQ
|
+$9.8M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$61.5M
+7.1% YoY-1.4% QoQ
|
+$35.8M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 11.5% in tier |
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| ROA |
2.3%
+24.1% YoY-4.4% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Top 3.6% in tier |
| NIM |
3.9%
+14.4% YoY-0.7% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
47.7%
-7.1% YoY+4.1% QoQ
|
-34.8% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate |
0.5%
+30.0% YoY+7205.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
41.6%
-3.0% YoY+2.5% QoQ
|
-19.0% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$18,899
+6.6% YoY+0.1% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration | 0.0% | -24.4% | 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)