BlastPoint's Credit Union Scorecard
MINNEQUA WORKS
Charter #68240 · CO
MINNEQUA WORKS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 9.2% in tier
- + Organic Growth Engine: Top 12.1% in tier
- + Wallet Share Momentum: Top 96.7% in tier
- + ROA 0.13% above tier average
- + Loan Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.0% in tier
- - Credit Quality Pressure: Bottom 25.2% in tier
- - Indirect Auto Dependency: Bottom 28.4% in tier
- - Loan-to-Share Ratio: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,608
+3.9% YoY+1.2% QoQ
|
-3.0K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$260.3M
+5.3% YoY+0.9% QoQ
|
+$29.0M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$108.9M
+21.4% YoY+2.5% QoQ
|
$-38.9M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$230.5M
+4.3% YoY+0.5% QoQ
|
+$30.2M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.9%
+57.5% YoY-18.6% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.0%
+24.9% YoY-0.7% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
73.7%
-9.9% YoY+4.8% QoQ
|
-3.6% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.5%
+9.3% YoY+22.3% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
47.2%
+16.4% YoY+1.9% QoQ
|
-25.5% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.0% in tier |
| AMR |
$26,917
+5.2% YoY-0.0% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
30.4%
+7.2% YoY+1.8% QoQ
|
+6.0% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.0%
+87.6% YoY+16.8% QoQ
|
+4.0% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
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)