BlastPoint's Credit Union Scorecard
MINNEQUA WORKS
Charter #68240 · CO
MINNEQUA WORKS faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.77% below tier average
- - Efficiency ratio 13.72% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 9.5% in tier
- - Net Charge-Off Rate: Bottom 9.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +6.4% year over year ($244M in shares and deposits).
- Membership: 12,896 members, +3.5% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.10%.
- Efficiency ratio 90.45% vs a 76.73% peer average.
- Loan-to-share ratio 47.28% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,896
+3.5% YoY+0.5% QoQ
|
-2.3K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$274.0M
+6.2% YoY+0.0% QoQ
|
+$42.0M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$115.3M
+8.5% YoY-1.6% QoQ
|
$-30.9M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$243.9M
+6.4% YoY+0.2% QoQ
|
+$43.2M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.1%
-91.5% YoY-20.5% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.4% in tier |
| NIM |
3.1%
+1.3% YoY+5.1% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
90.4%
+28.7% YoY+0.7% QoQ
|
+13.7% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate |
0.8%
+103.8% YoY-9.8% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
47.3%
+2.0% YoY-1.8% QoQ
|
-24.3% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.4% in tier |
| AMR |
$27,859
+3.5% YoY-0.8% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
31.7%
+6.1% YoY+2.2% QoQ
|
+7.2% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
19.3%
+25.1% YoY-0.5% QoQ
|
+5.7% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)