BlastPoint's Credit Union Scorecard
ELECTRIC MACHINERY EMPLOYEES
Charter #63988 · MN
ELECTRIC MACHINERY EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 23.02% above tier (higher cost structure)
- - Member decline: -13.6% YoY
- - Member Growth Rate: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
756
-13.6% YoY-3.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$8.5M
+1.4% YoY-0.4% QoQ
|
$-21.6M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$3.9M
-18.5% YoY-3.5% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$6.3M
+2.5% YoY-0.6% QoQ
|
$-19.3M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
27% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.3%
-82.3% YoY-40.6% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.3% in tier |
| NIM |
3.3%
+6.3% YoY+4.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
105.6%
-18.3% YoY-4.7% QoQ
|
+23.0% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
1.0%
-57.4% YoY+0.5% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
61.6%
-20.5% YoY-2.9% QoQ
|
+1.0% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$13,575
+8.0% YoY+1.4% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
34.2%
-2.9% YoY+2.5% QoQ
|
+9.7% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)