BlastPoint's Credit Union Scorecard
METROPOLITAN SERVICES
Charter #64999 · MN
METROPOLITAN SERVICES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Strong member growth: 9.1% YoY
- + Member Growth Rate: Top 3.2% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.60% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
948
+9.1% YoY+4.8% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$11.8M
+1.7% YoY-1.0% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$6.8M
+8.8% YoY-1.9% QoQ
|
$-9.0M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$10.9M
+0.3% YoY-0.9% QoQ
|
$-14.8M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.6%
+52.6% YoY-27.3% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
4.1%
+14.9% YoY+3.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
84.2%
-6.6% YoY+2.9% QoQ
|
+1.6% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate | 0.5% | -1.1 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
62.3%
+8.5% YoY-1.0% QoQ
|
+1.7% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$18,716
-5.2% YoY-5.8% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
11.8%
-8.5% YoY+21.3% QoQ
|
-12.6% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 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)