BlastPoint's Credit Union Scorecard

MINNCO

Charter #63639 · MN

Community 500M-750M

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

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MINNCO has 4 strengths but faces 5 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 2.7% in tier
+ Organic Growth Engine: Top 11.0% in tier
+ Strong member growth: 8.7% YoY
+ Member Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 21.0% in tier
- Credit Risk Growth: Bottom 21.4% in tier
- Credit Quality Pressure: Bottom 21.7% in tier
- ROA 0.07% below tier average
- Delinquency rate 0.03% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	36,979 +8.7% YoY+0.5% QoQ	-2.8K	39,752 -2.7% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	47%
Assets	$577.4M +9.3% YoY+1.6% QoQ	$-45.0M	$622.4M +0.3% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	34%
Loans	$353.0M +5.9% YoY+1.8% QoQ	$-83.0M	$435.9M -0.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	17%
Deposits	$515.7M +8.8% YoY+1.0% QoQ	$-22.3M	$538.0M +1.3% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	38%

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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% -4.0% YoY-4.0% QoQ	-0.1%	0.7% +33.9% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	46%
NIM	3.1% +21.2% YoY+1.7% QoQ	-0.3%	3.4% +8.6% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	27%
Efficiency Ratio	76.9% -0.8% YoY+0.2% QoQ	-1.2%	78.1% -3.4% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	41%
Delinquency Rate	0.8% +9.9% YoY-0.4% QoQ	+0.0	0.8% -4.9% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	63%
Loan To Share	68.4% -2.7% YoY+0.9% QoQ	-12.6%	81.0% -1.8% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	17%
AMR	$23,492 -1.0% YoY+0.9% QoQ	$-3K	$26,482 +2.6% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	41%
CD Concentration	19.2% -0.7% YoY+2.5% QoQ	-5.2%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	32%
Indirect Auto %	4.8% -28.3% YoY-7.3% QoQ	-9.1%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	45%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#36 of 430 • Top 2.7% in tier

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

Why This Signature

Member Growth (YoY): 8.70%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 4.84%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#203 of 603 • Top 11.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.70%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.59%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 4.84%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY

Concerns (3)

Shrinking Wallet Share

decline

#210 of 244 • Bottom 21.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.01%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Credit Risk Growth

risk

#322 of 446 • Bottom 21.4% in tier

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

Why This Signature

Loan Growth (YoY): 5.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#537 of 736 • Bottom 21.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (4 metrics)

Member Growth Rate

growth

Value: 8.70%

Peer Avg: -

#13 of 169 Top 7.1% in 500M-750M tier

Asset Growth Rate

growth

Value: 9.33%

Peer Avg: -

#24 of 169 Top 13.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.25%

Peer Avg: -

#32 of 169 Top 18.3% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.79%

Peer Avg: -

#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (3 metrics)

142

AMR Growth Rate

growth

Value: -1.01%

Peer Avg: -

#142 of 169 Bottom 16.6% in 500M-750M tier

141

Loan-to-Share Ratio

balance_sheet

Value: 68.44%

Peer Avg: -

#141 of 169 Bottom 17.2% in 500M-750M tier

141

Total Loans

balance_sheet

Value: $352.97M

Peer Avg: -

#141 of 169 Bottom 17.2% in 500M-750M tier