BlastPoint's Credit Union Scorecard

MINNESOTA CATHOLIC

Charter #63977 · MN

2596 CUs in <100M nationally 38 in MN

MINNESOTA CATHOLIC has 2 strengths but faces 2 concerns

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 0.51% above tier average
+ Net Interest Margin 1.16% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.5% YoY
- Indirect Auto Concentration (%): Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	3,047 -3.5% YoY-0.0% QoQ	+421	2,625 -2.2% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	68%
Assets	$37.8M +1.7% YoY-2.3% QoQ	+$7.9M	$29.9M +1.1% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	68%
Loans	$24.6M -6.1% YoY-2.9% QoQ	+$8.8M	$15.8M -2.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	76%
Deposits	$33.7M +1.2% YoY-2.8% QoQ	+$8.3M	$25.5M +0.4% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	69%

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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	1.2% -12.0% YoY+13.0% QoQ	+0.5%	0.7% -731.4% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	70%
NIM	5.1% -0.5% YoY+2.1% QoQ	+1.2%	3.9% +3.8% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	Top 12.6% in tier
Efficiency Ratio	77.1% +2.0% YoY-1.1% QoQ	-4.3%	81.4% -2.4% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	47%
Delinquency Rate	0.1% +20.3% YoY+10.8% QoQ	-1.4	1.5% -2.0% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	24%
Loan To Share	72.9% -7.2% YoY-0.0% QoQ	+11.7%	61.2% -3.0% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	67%
AMR	$19,131 +1.5% YoY-2.8% QoQ	+$5K	$14,627 -2.7% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	76%
CD Concentration	9.4% +27.2% YoY+10.7% QoQ	-15.0%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.7% +17.9% YoY-0.4% QoQ	-1.3%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (5 metrics)

326

Net Interest Margin (NIM)

profitability

Value: 5.10%

Peer Avg: -

#326 of 2596 Top 12.5% in <100M tier

460

Loan-to-Member Ratio (LMR)

engagement

Value: $8,069

Peer Avg: -

#460 of 2596 Top 17.7% in <100M tier

613

Total Loans

balance_sheet

Value: $24.58M

Peer Avg: -

#613 of 2596 Top 23.6% in <100M tier

623

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Avg: -

#623 of 2596 Top 24.0% in <100M tier

627

Average Member Relationship (AMR)

engagement

Value: $19,131

Peer Avg: -

#627 of 2596 Top 24.1% in <100M tier

Top Weaknesses (1 metrics)

2385

Indirect Auto Concentration (%)

balance_sheet

Value: 12.71%

Peer Avg: -

#2385 of 2596 Bottom 8.2% in <100M tier