BlastPoint's Credit Union Scorecard
CROW WING POWER
Charter #68389 · MN
CROW WING POWER has 9 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 14.5% in tier
- + Credit Quality Leader: Top 26.0% in tier
- + Wallet Share Momentum: Top 31.5% in tier
- + Profitability Leader: Top 99.7% in tier
- + ROA 0.33% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Average Member Relationship (AMR): Top 4.7% in tier
- + Total Delinquency Rate (60+ days): Top 7.3% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.4% in tier
- - Membership Headwinds: Bottom 8.1% in tier
- - Member decline: -4.6% YoY
- - Fee Income Per Member: Bottom 1.2% in tier
- - Share Certificate Concentration (%): Bottom 1.5% in tier
- - Total Members: Bottom 2.2% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,599
-4.6% YoY-0.1% QoQ
|
-11.0K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 2.1% in tier |
| Assets |
$114.4M
+2.6% YoY+2.6% QoQ
|
$-116.9M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.8% in tier |
| Loans |
$92.3M
+7.3% YoY-0.3% QoQ
|
$-55.5M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$103.0M
+1.5% YoY+2.4% QoQ
|
$-97.3M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.9% in tier |
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| ROA |
1.1%
+1.0% YoY+13.0% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
3.1%
+8.0% YoY+3.6% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
60.6%
-1.7% YoY-2.9% QoQ
|
-16.7% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
0.1%
-43.5% YoY+258.6% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
89.6%
+5.6% YoY-2.7% QoQ
|
+16.9% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$42,471
+9.2% YoY+1.2% QoQ
|
+$18K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 4.8% in tier |
| CD Concentration |
50.0%
+9.4% YoY+2.0% QoQ
|
+25.6% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.5%
+11.4% YoY+11.7% QoQ
|
-1.5% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)