BlastPoint's Credit Union Scorecard
MAGNIFI FINANCIAL
Charter #68604 · MN
MAGNIFI FINANCIAL has 10 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 15.6% in tier
- + Wallet Share Momentum: Top 26.2% in tier
- + ROA 0.02% above tier average
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + First Mortgage Concentration (%): Top 1.7% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
- + Total Loans: Top 4.3% in tier
- + Fee Income Per Member: Top 8.3% in tier
- + Loan Growth Rate: Top 8.9% in tier
- + AMR Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.3% in tier
- - Efficiency ratio 1.12% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,945
-0.0% YoY+0.0% QoQ
|
-12.5K |
97,431
-2.4% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$2.6B
+7.2% YoY+1.4% QoQ
|
+$885.4M |
$1.7B
+0.9% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Top 11.3% in tier |
| Loans |
$2.1B
+14.7% YoY+1.4% QoQ
|
+$915.3M |
$1.2B
+0.5% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Top 4.6% in tier |
| Deposits |
$2.1B
+5.7% YoY+0.9% QoQ
|
+$690.4M |
$1.5B
+0.9% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 12.6% in tier |
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| ROA |
0.7%
+104.9% YoY+24.7% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.1%
+19.2% YoY+2.1% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
75.2%
-1.4% YoY-1.1% QoQ
|
+1.1% |
74.1%
-9.5% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.4%
-28.3% YoY-23.3% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
100.0%
+8.5% YoY+0.6% QoQ
|
+15.2% |
84.8%
-0.8% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 11.9% in tier |
| AMR |
$50,615
+10.1% YoY+1.1% QoQ
|
+$21K |
$29,428
+2.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 2.6% in tier |
| CD Concentration |
36.3%
-3.6% YoY-0.8% QoQ
|
+7.2% | 29.0% | 22.0% | 19.8% | 80% |
| Indirect Auto % |
6.9%
+7.1% YoY-21.3% QoQ
|
-11.4% | 18.3% | 6.5% | 7.8% | 30% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)