BlastPoint's Credit Union Scorecard
MOWER COUNTY EMPLOYEES
Charter #64518 · MN
MOWER COUNTY EMPLOYEES demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 2.2% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
- + Average Member Relationship (AMR): Top 5.1% in tier
- + Deposit Growth Rate: Top 5.6% in tier
- + Loan Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
790
+1.7% YoY-0.3% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$12.7M
+8.8% YoY+5.1% QoQ
|
$-17.1M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$11.5M
+10.8% YoY+3.8% QoQ
|
$-4.3M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$10.9M
+12.3% YoY+5.8% QoQ
|
$-14.6M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
1.4%
+217.5% YoY-19.6% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.8%
+0.4% YoY-3.2% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
73.4%
-3.1% YoY+3.0% QoQ
|
-8.0% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.0%
-97.1% YoY-90.2% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.9% in tier |
| Loan To Share |
105.6%
-1.4% YoY-1.8% QoQ
|
+44.3% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 2.5% in tier |
| AMR |
$28,319
+9.7% YoY+5.0% QoQ
|
+$14K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 5.1% in tier |
| CD Concentration |
35.7%
-2.7% YoY-1.6% QoQ
|
+11.3% |
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)