BlastPoint's Credit Union Scorecard

MINNESOTA CATHOLIC

Charter #63977 · MN

<100M

2508 CUs in <100M nationally 38 in MN

MINNESOTA CATHOLIC has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.85% above tier average
+ Net Interest Margin 0.85% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	3,061 +0.3% YoY+0.6% QoQ	+384	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	69%
Assets	$38.1M -0.7% YoY+1.1% QoQ	+$7.9M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	67%
Loans	$24.0M -5.3% YoY-1.8% QoQ	+$8.7M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	77%
Deposits	$33.3M -2.3% YoY-1.3% QoQ	+$7.6M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	68%

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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	1.0% +2.0% YoY-7.5% QoQ	+0.9%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	69%
NIM	4.9% -3.0% YoY-5.4% QoQ	+0.8%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	Top 14.2% in tier
Efficiency Ratio	81.2% +1.3% YoY+1.8% QoQ	-9.5%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	0.1% -35.9% YoY-54.3% QoQ	-1.4	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	20%
Loan To Share	72.0% -3.1% YoY-0.5% QoQ	+13.5%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	70%
AMR	$18,741 -3.8% YoY-2.1% QoQ	+$4K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	72%
CD Concentration	9.6% +17.0% YoY+2.2% QoQ	-14.6%	24.3%	22.6%	19.8%	50%
Indirect Auto %	13.6% +23.6% YoY+8.2% QoQ	-0.2%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (4 metrics)

357

Net Interest Margin (NIM)

profitability

Value: 4.85%

Peer Median: 3.83%

#357 of 2508 Top 14.2% in <100M tier

463

Loan-to-Member Ratio (LMR)

engagement

Value: $7,847

Peer Median: $4,923

#463 of 2508 Top 18.4% in <100M tier

509

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.65%

#509 of 2508 Top 20.3% in <100M tier

586

Total Loans

balance_sheet

Value: $24.02M

Peer Median: $9.48M

#586 of 2508 Top 23.3% in <100M tier

Top Weaknesses (2 metrics)

2329

Indirect Auto Concentration (%)

balance_sheet

Value: 13.61%

Peer Median: 0.00%

#2329 of 2508 Bottom 7.2% in <100M tier

1976

AMR Growth Rate

growth

Value: -3.83%

Peer Median: 1.27%

#1976 of 2508 Bottom 21.3% in <100M tier