BlastPoint's Credit Union Scorecard
LEADING EDGE
Charter #66867 · MN
LEADING EDGE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 12.0% in tier
- + Organic Growth Engine: Top 57.1% in tier
- + Strong member growth: 6.9% YoY
- + Member Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 24.2% in tier
- - Efficiency Drag: Bottom 55.1% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 11.46% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.0% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,920
+6.9% YoY+2.6% QoQ
|
-3.5K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$138.8M
-2.9% YoY-1.6% QoQ
|
$-93.1M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$107.7M
+2.8% YoY+1.0% QoQ
|
$-39.7M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$121.7M
-0.0% YoY-1.6% QoQ
|
$-79.1M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.3%
+223.9% YoY-20.5% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.3%
+14.4% YoY+1.2% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
88.5%
-7.8% YoY+1.1% QoQ
|
+11.5% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Top 12.9% in tier |
| Delinquency Rate |
0.8%
-18.4% YoY-20.4% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
88.4%
+2.8% YoY+2.7% QoQ
|
+16.2% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$19,247
-5.2% YoY-2.9% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
31.9%
+1.7% YoY+4.3% QoQ
|
+7.5% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
8.4%
-7.5% YoY+2.8% QoQ
|
-5.4% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)