BlastPoint's Credit Union Scorecard

MINNEQUA WORKS

Charter #68240 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

MINNEQUA WORKS has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Loan Growth Rate: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 11.84% above tier (higher cost structure)
- Delinquency rate 0.10% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	12,837 +4.4% YoY+0.9% QoQ	-2.3K	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	48%
Assets	$273.9M +7.9% YoY+3.0% QoQ	+$42.2M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	69%
Loans	$117.2M +15.6% YoY+2.7% QoQ	$-27.0M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	47%
Deposits	$243.4M +7.6% YoY+3.5% QoQ	+$42.2M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	69%

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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% -91.3% YoY-84.3% QoQ	-0.6%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	Bottom 12.5% in tier
NIM	2.9% +0.1% YoY-3.0% QoQ	-0.7%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	Bottom 12.1% in tier
Efficiency Ratio	89.9% +35.4% YoY+17.3% QoQ	+11.8%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	Bottom 15.0% in tier
Delinquency Rate	0.9% +390.5% YoY+27.3% QoQ	+0.1	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	70%
Loan To Share	48.2% +7.4% YoY-0.8% QoQ	-22.3%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	Bottom 10.0% in tier
AMR	$28,086 +5.4% YoY+2.3% QoQ	+$3K	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	74%
CD Concentration	31.0% +11.0% YoY+2.1% QoQ	+6.8%	24.3%	26.7%	19.8%	50%
Indirect Auto %	19.4% +41.2% YoY+0.5% QoQ	+5.6%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#440 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.44%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#12 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 15.65%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.70% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#70 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.70% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#334 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.92%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 19.38%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.43%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Efficiency Drag

risk

#466 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: 89.86%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.27% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 4.43%

(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 | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

Loan Growth Rate

growth

Value: 15.65%

Peer Median: 2.93%

#68 of 1070 Top 6.3% in 100M-500M tier

135

Member Growth Rate

growth

Value: 4.43%

Peer Median: -0.06%

#135 of 1070 Top 12.5% in 100M-500M tier

198

Asset Growth Rate

growth

Value: 7.92%

Peer Median: 3.91%

#198 of 1070 Top 18.4% in 100M-500M tier

198

Deposit Growth Rate

growth

Value: 7.63%

Peer Median: 3.30%

#198 of 1070 Top 18.4% in 100M-500M tier

Top Weaknesses (5 metrics)

963

Net Charge-Off Rate

risk

Value: 1.07%

Peer Median: 0.35%

#963 of 1070 Bottom 10.1% in 100M-500M tier

963

Loan-to-Share Ratio

balance_sheet

Value: 48.15%

Peer Median: 71.88%

#963 of 1070 Bottom 10.1% in 100M-500M tier

941

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Median: 3.62%

#941 of 1070 Bottom 12.1% in 100M-500M tier

936

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.69%

#936 of 1070 Bottom 12.6% in 100M-500M tier

910

Efficiency Ratio

profitability

Value: 89.86%

Peer Median: 78.68%

#910 of 1070 Bottom 15.0% in 100M-500M tier