BlastPoint's Credit Union Scorecard
MOWER COUNTY EMPLOYEES
Charter #64518 · MN
MOWER COUNTY EMPLOYEES has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
- + Loan Growth Rate: Top 3.7% in tier
- + Average Member Relationship (AMR): Top 4.2% in tier
- + AMR Growth Rate: Top 4.6% in tier
- + Deposit Growth Rate: Top 5.7% in tier
- + Asset Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
799
+1.5% YoY+1.1% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$13.4M
+11.3% YoY+5.3% QoQ
|
$-16.7M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$12.7M
+20.3% YoY+10.5% QoQ
|
$-3.1M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$11.4M
+12.8% YoY+5.0% QoQ
|
$-14.3M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.2%
-10.0% YoY-83.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
3.6%
-2.6% YoY-4.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
71.8%
-5.8% YoY-2.2% QoQ
|
-10.8% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.0%
-96.9% YoY+21.0% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
111.0%
+6.6% YoY+5.2% QoQ
|
+50.4% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 1.5% in tier |
| AMR |
$30,194
+14.9% YoY+6.6% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 4.3% in tier |
| CD Concentration |
34.8%
-1.2% YoY-2.4% QoQ
|
+10.4% | 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)