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
- + AMR Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 29.74% above tier (higher cost structure)
- - Member decline: -14.6% YoY
- - Member Growth Rate: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
748
-14.6% YoY-1.1% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$8.6M
+1.5% YoY+1.3% QoQ
|
$-21.6M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$3.8M
-16.9% YoY-3.7% QoQ
|
$-11.5M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$6.5M
+2.4% YoY+1.9% QoQ
|
$-19.3M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
-1.1%
-38.4% YoY+281.2% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.0% in tier |
| NIM |
3.5%
+23.0% YoY+5.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
120.4%
-15.2% YoY+14.0% QoQ
|
+29.7% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
1.3%
-39.6% YoY+29.3% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
58.3%
-18.8% YoY-5.5% QoQ
|
-0.3% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$13,692
+10.5% YoY+0.9% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
33.2%
+2.8% YoY-2.9% QoQ
|
+8.9% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 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)