BlastPoint's Credit Union Scorecard
ELECTRIC MACHINERY EMPLOYEES
Charter #63988 · MN
ELECTRIC MACHINERY EMPLOYEES has 1 strength but faces 6 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 1.15% below tier average
- - Efficiency ratio 29.42% above tier (higher cost structure)
- - Member decline: -13.6% YoY
- - Member Growth Rate: Bottom 3.4% in tier
- - Net Charge-Off Rate: Bottom 8.4% in tier
- - Loan Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
780
-13.6% YoY-5.8% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$8.5M
-0.3% YoY+0.5% QoQ
|
$-21.3M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$4.1M
-16.8% YoY-6.4% QoQ
|
$-11.7M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$6.4M
+1.2% YoY+0.7% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
-0.5%
-59.2% YoY-46.2% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.1% in tier |
| NIM |
3.2%
+3.7% YoY+3.2% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
110.8%
-11.0% YoY-8.2% QoQ
|
+29.4% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
1.0%
-44.9% YoY-6.3% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
63.5%
-17.8% YoY-7.1% QoQ
|
+2.3% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$13,394
+8.1% YoY+3.8% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
33.3%
-7.0% YoY-5.9% QoQ
|
+8.9% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
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)