BlastPoint's Credit Union Scorecard

MINNESOTA CATHOLIC

Charter #63977 · MN

2556 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 0.46% above tier average
+ Net Interest Margin 1.18% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.0% YoY
- Indirect Auto Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	3,042 -3.0% YoY-0.2% QoQ	+426	2,615 -1.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	68%
Assets	$37.6M +0.8% YoY-0.4% QoQ	+$7.5M	$30.1M +2.1% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	67%
Loans	$24.5M -3.7% YoY-0.5% QoQ	+$8.7M	$15.8M -1.3% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	76%
Deposits	$33.8M +1.2% YoY+0.2% QoQ	+$8.1M	$25.7M +1.4% YoY	$437.6M +9.7% YoY	$477.3M +9.7% 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	1.1% -13.3% YoY-9.5% QoQ	+0.5%	0.6% +10.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	69%
NIM	5.1% -0.7% YoY+0.7% QoQ	+1.2%	4.0% +4.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Top 11.7% in tier
Efficiency Ratio	79.7% +2.7% YoY+3.4% QoQ	-2.8%	82.6% -2.3% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	50%
Delinquency Rate	0.2% +40.5% YoY+14.6% QoQ	-1.4	1.6% -3.1% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	24%
Loan To Share	72.4% -4.8% YoY-0.7% QoQ	+11.8%	60.6% -3.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	68%
AMR	$19,140 +2.1% YoY+0.1% QoQ	+$4K	$14,783 -1.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	75%
CD Concentration	9.4% +16.7% YoY-0.1% QoQ	-15.0%	24.4%	22.0%	19.8%	50%
Indirect Auto %	12.6% +13.5% YoY-1.1% QoQ	-1.2%	13.8%	6.5%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

299

Net Interest Margin (NIM)

profitability

Value: 5.13%

Peer Median: -

#299 of 2556 Top 11.7% in <100M tier

459

Loan-to-Member Ratio (LMR)

engagement

Value: $8,039

Peer Median: -

#459 of 2556 Top 17.9% in <100M tier

608

Total Loans

balance_sheet

Value: $24.45M

Peer Median: -

#608 of 2556 Top 23.7% in <100M tier

613

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: -

#613 of 2556 Top 23.9% in <100M tier

639

Average Member Relationship (AMR)

engagement

Value: $19,140

Peer Median: -

#639 of 2556 Top 25.0% in <100M tier

Top Weaknesses (1 metrics)

2355

Indirect Auto Concentration (%)

balance_sheet

Value: 12.57%

Peer Median: -

#2355 of 2556 Bottom 7.9% in <100M tier