BlastPoint's Credit Union Scorecard
METROPOLITAN SERVICES
Charter #64999 · MN
METROPOLITAN SERVICES has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.02% above tier average
- + Strong member growth: 7.2% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 5.1% in tier
- + Net Charge-Off Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.39% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
905
+7.2% YoY+1.7% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$11.9M
+0.9% YoY+0.8% QoQ
|
$-18.0M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$6.9M
+8.0% YoY+12.8% QoQ
|
$-8.8M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$11.0M
-0.3% YoY+0.0% QoQ
|
$-14.4M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
0.9%
+280.5% YoY+71.1% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
4.0%
+13.2% YoY+6.6% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
81.8%
-12.3% YoY-6.9% QoQ
|
+0.4% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
62.9%
+8.3% YoY+12.7% QoQ
|
+1.7% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$19,867
-4.2% YoY+2.9% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
9.8%
-31.4% YoY-33.1% QoQ
|
-14.7% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-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)