BlastPoint's Credit Union Scorecard
LEADING EDGE
Charter #66867 · MN
LEADING EDGE has 4 strengths but faces 5 concerns
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: 7.4% YoY
- + Member Growth Rate: Top 5.4% 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 11.34% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +3.1% year over year ($129M in shares and deposits).
- Membership: 12,479 members, +7.4% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 0.28%.
- Efficiency ratio 88.07% vs a 76.73% peer average.
- Loan-to-share ratio 87.84% vs a 71.54% 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 |
12,479
+7.4% YoY+3.2% QoQ
|
-2.7K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$143.2M
-1.2% YoY-1.9% QoQ
|
$-88.8M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$113.0M
+7.9% YoY+6.3% QoQ
|
$-33.2M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$128.7M
+3.1% YoY-2.3% QoQ
|
$-72.0M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.3%
-9.8% YoY+91.5% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.1% in tier |
| NIM |
3.5%
+11.5% YoY+6.3% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
88.1%
-0.9% YoY-4.5% QoQ
|
+11.3% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
1.0%
-26.1% YoY+13.8% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
87.8%
+4.7% YoY+8.8% QoQ
|
+16.3% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$19,373
-2.0% YoY-1.6% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
30.9%
+4.6% YoY-0.6% QoQ
|
+6.3% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
10.1%
+18.9% YoY+8.7% QoQ
|
-3.5% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)