BlastPoint's Credit Union Scorecard
ELECTRIC MACHINERY EMPLOYEES
Charter #63988 · MN
ELECTRIC MACHINERY EMPLOYEES faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Efficiency ratio 17.92% above tier (higher cost structure)
- - Member decline: -10.1% YoY
- - Member Growth Rate: Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits -0.8% year over year ($6.3M in shares and deposits).
- Membership: 744 members, -10.1% vs a year ago.
- Delinquency rate 1.20%.
- Return on assets 0.38%.
- Efficiency ratio 106.69% vs a 88.77% peer average.
- Loan-to-share ratio 58.27% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
744
-10.1% YoY-0.5% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$8.4M
-0.8% YoY-2.1% QoQ
|
$-21.8M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$3.7M
-15.4% YoY-2.7% QoQ
|
$-11.8M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$6.3M
-0.8% YoY-2.7% QoQ
|
$-19.5M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.4%
-143.4% YoY-135.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.6%
+15.0% YoY+2.0% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
106.7%
-11.6% YoY-11.4% QoQ
|
+17.9% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate |
1.2%
+11.3% YoY-8.7% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
58.3%
-14.7% YoY+0.0% QoQ
|
-0.6% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$13,389
+3.8% YoY-2.2% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
37.6%
+6.1% YoY+13.3% QoQ
|
+13.0% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)