BlastPoint's Credit Union Scorecard

FEDERATED EMPLOYEES

Charter #64703 · MN

<100M

2556 CUs in <100M nationally 38 in MN

FEDERATED EMPLOYEES has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.12% above tier average

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 6.2% in tier
- Net Interest Margin (NIM): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	4,950 +2.7% YoY+0.3% QoQ	+2.3K	2,615 -1.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	Top 14.2% in tier
Assets	$62.9M +5.5% YoY+0.6% QoQ	+$32.7M	$30.1M +2.1% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	84%
Loans	$37.1M +8.8% YoY-0.8% QoQ	+$21.4M	$15.8M -1.3% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	Top 12.4% in tier
Deposits	$54.2M +5.3% YoY+0.6% QoQ	+$28.6M	$25.7M +1.4% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +115.3% YoY-0.2% QoQ	+0.1%	0.6% +10.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	53%
NIM	2.5% +19.9% YoY+0.9% QoQ	-1.5%	4.0% +4.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Bottom 7.9% in tier
Efficiency Ratio	68.2% -21.0% YoY-0.8% QoQ	-14.4%	82.6% -2.3% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	0.4% +67.2% YoY+23.7% QoQ	-1.2	1.6% -3.1% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	35%
Loan To Share	68.4% +3.3% YoY-1.4% QoQ	+7.8%	60.6% -3.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	62%
AMR	$18,458 +4.0% YoY-0.3% QoQ	+$4K	$14,783 -1.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	72%
CD Concentration	42.6% +3.9% YoY-1.3% QoQ	+18.2%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

265

Members Per Employee (MPE)

engagement

Value: 550.000

Peer Median: -

#265 of 2556 Top 10.3% in <100M tier

309

Member Growth Rate

growth

Value: 2.68%

Peer Median: -

#309 of 2556 Top 12.1% in <100M tier

317

Total Loans

balance_sheet

Value: $37.13M

Peer Median: -

#317 of 2556 Top 12.4% in <100M tier

329

Loan Growth Rate

growth

Value: 8.85%

Peer Median: -

#329 of 2556 Top 12.8% in <100M tier

363

Total Members

engagement

Value: 4,950

Peer Median: -

#363 of 2556 Top 14.2% in <100M tier

404

Total Assets

balance_sheet

Value: $62.89M

Peer Median: -

#404 of 2556 Top 15.8% in <100M tier

407

Total Deposits

balance_sheet

Value: $54.24M

Peer Median: -

#407 of 2556 Top 15.9% in <100M tier

553

Loan-to-Member Ratio (LMR)

engagement

Value: $7,500

Peer Median: -

#553 of 2556 Top 21.6% in <100M tier

612

Deposit Growth Rate

growth

Value: 5.34%

Peer Median: -

#612 of 2556 Top 23.9% in <100M tier

Top Weaknesses (2 metrics)

2398

Share Certificate Concentration (%)

balance_sheet

Value: 42.62%

Peer Median: -

#2398 of 2556 Bottom 6.2% in <100M tier

2354

Net Interest Margin (NIM)

profitability

Value: 2.50%

Peer Median: -

#2354 of 2556 Bottom 7.9% in <100M tier