BlastPoint's Credit Union Scorecard

MINNCO

Charter #63639 · MN

Community 500M-750M
165 CUs in 500M-750M nationally 2 in MN
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MINNCO has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 7.5% in tier
  • + Organic Growth Engine: Top 31.0% in tier
  • + Strong member growth: 9.1% YoY
  • + Member Growth Rate: Top 4.2% in tier
  • + Asset Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 70.8% in tier
  • - Credit Quality Pressure: Bottom 99.7% in tier
  • - ROA 0.06% below tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 36,957
+9.1% YoY-0.1% QoQ
 -1.6K 38,575
-4.8% YoY
 26,823
+5.6% YoY
 33,374
+5.7% YoY
 48%
Assets $601.8M
+15.0% YoY+4.2% QoQ
 $-19.9M $621.7M
+0.1% YoY
 $530.2M
+9.2% YoY
 $561.6M
+9.7% YoY
 42%
Loans $361.0M
+10.0% YoY+2.3% QoQ
 $-68.8M $429.8M
-1.8% YoY
 $377.5M
+9.0% YoY
 $397.0M
+8.8% YoY
 21%
Deposits $519.6M
+9.7% YoY+0.8% QoQ
 $-19.1M $538.7M
+0.6% YoY
 $437.6M
+9.7% YoY
 $477.3M
+9.7% YoY
 41%

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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 0.6%
+8.7% YoY+1.7% QoQ
 -0.1% 0.7%
+42.9% YoY
 1.0%
-42.4% YoY
 0.7%
+15.9% YoY
 47%
NIM 3.0%
+17.3% YoY-1.3% QoQ
 -0.4% 3.4%
+8.0% YoY
 3.7%
+8.9% YoY
 3.8%
+5.1% YoY
 22%
Efficiency Ratio 75.9%
-3.9% YoY-1.3% QoQ
 -1.6% 77.5%
-4.1% YoY
 75.5%
-2.5% YoY
 79.7%
-3.3% YoY
 40%
Delinquency Rate 0.7%
+0.2% YoY-16.7% QoQ
 -0.2 0.8%
-1.1% YoY
 0.9%
+7.2% YoY
 1.3%
-2.1% YoY
 47%
Loan To Share 69.5%
+0.3% YoY+1.5% QoQ
 -10.4% 79.8%
-2.3% YoY
 75.7%
-1.2% YoY
 67.4%
-1.7% YoY
 19%
AMR $23,829
+0.7% YoY+1.4% QoQ
 $-3K $26,849
+2.7% YoY
 $23,721
+5.3% YoY
 $19,687
+2.0% YoY
 41%
CD Concentration 19.4%
-3.4% YoY+0.8% QoQ
 -5.0% 24.4% 22.0% 19.8% 33%
Indirect Auto % 4.5%
-30.0% YoY-7.5% QoQ
 -9.3% 13.8% 6.5% 7.8% 44%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#33 of 426 • Top 7.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 9.15%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 4.48%
(Tier: 13.79%, National: 7.78%)
better than tier avg
609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#185 of 595 • Top 31.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 9.15%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.60%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 4.48%
(Tier: 13.79%, National: 7.78%)
better than tier avg
913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#323 of 456 • Bottom 70.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.04%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.03% points, National: 0.06% points)
but better than tier avg
665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#703 of 705 • Bottom 99.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.03% points, National: 0.06% points)
but better than tier avg
969 nationally
↓ Shrinking -150 CUs YoY | Rank worsening

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)

Comparing against 165 peers in tier

Top Strengths (5 metrics)

8
Member Growth Rate
growth
Value: 9.15%
Peer Median: -
#8 of 165 Top 4.2% in 500M-750M tier
10
Asset Growth Rate
growth
Value: 14.98%
Peer Median: -
#10 of 165 Top 5.5% in 500M-750M tier
23
Deposit Growth Rate
growth
Value: 9.73%
Peer Median: -
#23 of 165 Top 13.3% in 500M-750M tier
27
Loan Growth Rate
growth
Value: 10.04%
Peer Median: -
#27 of 165 Top 15.8% in 500M-750M tier
31
Share Certificate Concentration (%)
balance_sheet
Value: 19.40%
Peer Median: -
#31 of 165 Top 18.2% in 500M-750M tier

Top Weaknesses (3 metrics)

133
Loan-to-Share Ratio
balance_sheet
Value: 69.47%
Peer Median: -
#133 of 165 Bottom 20.0% in 500M-750M tier
131
Total Loans
balance_sheet
Value: $361.00M
Peer Median: -
#131 of 165 Bottom 21.2% in 500M-750M tier
129
Net Interest Margin (NIM)
profitability
Value: 3.04%
Peer Median: -
#129 of 165 Bottom 22.4% in 500M-750M tier
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