BlastPoint's Credit Union Scorecard
METROPOLITAN SERVICES
Charter #64999 · MN
METROPOLITAN SERVICES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 8.8% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Member Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 3.81% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 7.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits +4.1% year over year ($11.5M in shares and deposits).
- Membership: 968 members, +8.8% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.36%.
- Efficiency ratio 92.57% vs a 88.77% peer average.
- Loan-to-share ratio 57.07% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
968
+8.8% YoY+2.2% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$12.3M
+4.3% YoY+1.2% QoQ
|
$-18.0M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$6.6M
+6.4% YoY-5.4% QoQ
|
$-8.9M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$11.5M
+4.1% YoY+1.7% QoQ
|
$-14.3M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.4%
-28.1% YoY-493.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.9%
+5.8% YoY+4.5% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
92.6%
+5.4% YoY-0.6% QoQ
|
+3.8% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
57.1%
+2.2% YoY-7.0% QoQ
|
-1.8% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$18,636
-3.5% YoY-3.2% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
14.1%
-3.5% YoY+9.3% QoQ
|
-10.5% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)