BlastPoint's Credit Union Scorecard
METROPOLITAN SERVICES
Charter #64999 · MN
METROPOLITAN SERVICES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.7% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Member Growth Rate: Top 4.5% in tier
- + Loan Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 2.46% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
947
+7.7% YoY-0.1% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$12.2M
-2.9% YoY+3.3% QoQ
|
$-18.0M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$6.9M
+14.1% YoY+1.7% QoQ
|
$-8.4M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$11.3M
-4.3% YoY+3.3% QoQ
|
$-14.5M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
-0.1%
-140.6% YoY-114.7% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.8%
+2.5% YoY-8.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
93.1%
-5.1% YoY+10.6% QoQ
|
+2.5% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
61.3%
+19.2% YoY-1.5% QoQ
|
+2.8% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$19,248
-5.4% YoY+2.8% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
12.9%
-14.8% YoY+8.8% QoQ
|
-11.4% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)