BlastPoint's Credit Union Scorecard
MINNCO
Charter #63639 · MN
MINNCO demonstrates 3 strengths
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 38.7% in tier
- + Organic Growth Leader: Top 38.7% in tier
- + ROA 0.09% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Minnesota.
- Shares and deposits +3.9% year over year ($531M in shares and deposits).
- Membership: 37,209 members, +1.1% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.90%.
- Efficiency ratio 71.40% vs a 76.56% peer average.
- Loan-to-share ratio 68.02% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,209
+1.1% YoY+0.5% QoQ
|
-688 |
37,897
-5.0% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$604.7M
+6.4% YoY-1.3% QoQ
|
$-17.7M |
$622.4M
+0.6% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$360.9M
+4.1% YoY+2.9% QoQ
|
$-67.6M |
$428.5M
-0.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$530.6M
+3.9% YoY-0.8% QoQ
|
$-9.1M |
$539.8M
+0.9% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.9%
+48.2% YoY+59.7% QoQ
|
+0.1% |
0.8%
+39.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
3.1%
+2.8% YoY+0.4% QoQ
|
-0.4% |
3.5%
+5.0% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
71.4%
-6.9% YoY-8.8% QoQ
|
-5.2% |
76.6%
-3.6% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.4%
-47.1% YoY-19.0% QoQ
|
-0.4 |
0.8%
+3.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
68.0%
+0.2% YoY+3.8% QoQ
|
-11.3% |
79.3%
-1.4% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$23,960
+2.9% YoY+0.2% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
19.5%
+3.8% YoY+2.5% QoQ
|
-5.1% | 24.6% | 21.9% | 20.0% | 32% |
| Indirect Auto % |
3.7%
-30.0% YoY-12.1% QoQ
|
-10.0% | 13.6% | 6.4% | 7.7% | 43% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)