BlastPoint's Credit Union Scorecard

MINNCO

Charter #63639 · MN

Community 500M-750M

167 CUs in 500M-750M nationally 2 in MN

View Community leaderboard →

MINNCO has 2 strengths but faces 1 concern

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 34.7% in tier
+ Organic Growth Engine: Top 34.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	37,039 +1.5% YoY+0.2% QoQ	-1.0K	38,079 -4.8% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	50%
Assets	$612.4M +7.2% YoY+1.7% QoQ	$-7.3M	$619.7M -0.2% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	46%
Loans	$350.7M +2.5% YoY-2.8% QoQ	$-68.6M	$419.3M -1.4% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	20%
Deposits	$535.0M +4.2% YoY+3.0% QoQ	$-4.4M	$539.5M -0.1% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	46%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -9.5% YoY-4.9% QoQ	-0.1%	0.7% +36.0% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	45%
NIM	3.1% +0.5% YoY+2.0% QoQ	-0.4%	3.5% +4.5% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	78.3% +3.0% YoY+3.2% QoQ	-0.1%	78.4% -3.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.5% -15.6% YoY-21.4% QoQ	-0.2	0.7% -0.9% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	44%
Loan To Share	65.6% -1.6% YoY-5.6% QoQ	-12.1%	77.7% -1.2% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	16%
AMR	$23,915 +2.0% YoY+0.4% QoQ	$-3K	$26,927 +3.1% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	41%
CD Concentration	19.0% +2.2% YoY-2.0% QoQ	-5.3%	24.3%	22.6%	19.8%	32%
Indirect Auto %	4.2% -27.4% YoY-7.1% QoQ	-9.6%	13.8%	6.4%	7.7%	43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#267 of 371 • Top 34.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 4.16%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#317 of 352 • Top 34.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.57%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 4.16%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

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 167 peers in tier

Top Strengths (1 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 19.02%

Peer Median: 26.29%

#36 of 167 Top 21.0% in 500M-750M tier

Top Weaknesses (3 metrics)

140

Loan-to-Share Ratio

balance_sheet

Value: 65.56%

Peer Median: 79.97%

#140 of 167 Bottom 16.8% in 500M-750M tier

133

Total Loans

balance_sheet

Value: $350.75M

Peer Median: $427.27M

#133 of 167 Bottom 21.0% in 500M-750M tier

128

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Median: 3.48%

#128 of 167 Bottom 24.0% in 500M-750M tier