BlastPoint's Credit Union Scorecard

LEADING EDGE

Charter #66867 · MN

100M-500M
1070 CUs in 100M-500M nationally 31 in MN

LEADING EDGE has 4 strengths but faces 8 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

  • + Organic Growth Leader: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + Strong member growth: 6.0% YoY
  • + Member Growth Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - ROA 0.58% below tier average
  • - Efficiency ratio 14.21% above tier (higher cost structure)
  • - Delinquency rate 0.07% above tier average
  • - Asset Growth Rate: Bottom 6.4% in tier
  • - AMR Growth Rate: Bottom 7.6% in tier
  • - Net Worth Ratio: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 12,087
+6.0% YoY+1.4% QoQ
 -3.1K 15,145
-2.5% YoY
 22,507
-13.7% YoY
 33,913
+5.7% YoY
 44%
Assets $146.0M
-2.9% YoY+5.2% QoQ
 $-85.7M $231.7M
+0.8% YoY
 $434.0M
-15.1% YoY
 $578.3M
+9.0% YoY
 29%
Loans $106.3M
+3.8% YoY-1.3% QoQ
 $-37.8M $144.1M
+0.2% YoY
 $293.6M
-17.5% YoY
 $402.4M
+8.7% YoY
 40%
Deposits $131.7M
+1.2% YoY+8.2% QoQ
 $-69.4M $201.1M
+0.4% YoY
 $364.1M
-13.5% YoY
 $494.3M
+9.1% YoY
 31%

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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 0.1%
+18.4% YoY-49.3% QoQ
 -0.6% 0.7%
+5.1% YoY
 0.2%
-92.6% YoY
 0.4%
-39.2% YoY
 Bottom 14.0% in tier
NIM 3.3%
+13.2% YoY-0.4% QoQ
 -0.4% 3.6%
+4.6% YoY
 3.7%
+5.4% YoY
 3.8%
+4.1% YoY
 29%
Efficiency Ratio 92.2%
-1.9% YoY+4.2% QoQ
 +14.2% 78.0%
-1.7% YoY
 102.0%
+29.5% YoY
 84.6%
+2.8% YoY
 Bottom 10.8% in tier
Delinquency Rate 0.8%
-26.7% YoY+10.3% QoQ
 +0.1 0.8%
+7.1% YoY
 0.8%
-5.2% YoY
 1.2%
+3.4% YoY
 68%
Loan To Share 80.7%
+2.5% YoY-8.7% QoQ
 +10.3% 70.4%
-0.4% YoY
 73.2%
-2.1% YoY
 65.6%
-1.4% YoY
 69%
AMR $19,690
-3.4% YoY+2.3% QoQ
 $-5K $24,918
+2.7% YoY
 $24,012
+4.3% YoY
 $19,920
+1.6% YoY
 30%
CD Concentration 31.1%
+5.6% YoY-2.8% QoQ
 +6.8% 24.3% 22.6% 19.8% 50%
Indirect Auto % 9.3%
+2.6% YoY+10.8% QoQ
 -4.5% 13.8% 6.4% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#55 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.95%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 9.31%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#260 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.95%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.15%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 9.31%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk
#113 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 92.23%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.02% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 5.95%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#95 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.38%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank improving

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)

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

81
Member Growth Rate
growth
Value: 5.95%
Peer Median: -0.06%
#81 of 1070 Top 7.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1002
Asset Growth Rate
growth
Value: -2.93%
Peer Median: 3.91%
#1002 of 1070 Bottom 6.4% in 100M-500M tier
990
AMR Growth Rate
growth
Value: -3.38%
Peer Median: 3.46%
#990 of 1070 Bottom 7.6% in 100M-500M tier
966
Net Worth Ratio
risk
Value: 8.68%
Peer Median: 11.45%
#966 of 1070 Bottom 9.8% in 100M-500M tier
955
Efficiency Ratio
profitability
Value: 92.23%
Peer Median: 78.68%
#955 of 1070 Bottom 10.8% in 100M-500M tier
920
Return on Assets (ROA)
profitability
Value: 0.15%
Peer Median: 0.69%
#920 of 1070 Bottom 14.1% in 100M-500M tier
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