BlastPoint's Credit Union Scorecard

MAGNIFI FINANCIAL

Charter #68604 · MN

Mid-Market 1B-3B

Magnifi at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Magnifi is one of 101 credit unions in the 2026 VentureTech card set. We also found Magnifi's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Magnifi

Turn your sound on

Tap a card to see it up close

MAGNIFI
PEER · AT VENTURETECH
PEER · AT VENTURETECH
MAGNIFI'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 6 in MN

View Mid-Market leaderboard →

MAGNIFI FINANCIAL has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 11.6% in tier
+ Loan-to-Member Ratio (LMR): Top 1.0% in tier
+ Total Loans: Top 1.7% in tier
+ Average Member Relationship (AMR): Top 1.7% in tier
+ First Mortgage Concentration (%): Top 2.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 17.3% in tier
- ROA 0.20% below tier average
- Efficiency ratio 2.21% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 1.7% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	85,513 +0.9% YoY+0.2% QoQ	-11.3K	96,861 -1.9% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	49%
Assets	$2.8B +9.6% YoY+3.1% QoQ	+$1.0B	$1.7B +0.4% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	Top 7.0% in tier
Loans	$2.3B +12.0% YoY+4.6% QoQ	+$1.0B	$1.2B +0.7% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	Top 2.0% in tier
Deposits	$2.3B +8.2% YoY+1.5% QoQ	+$807.7M	$1.5B +0.5% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	Top 10.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -4.1% YoY+37.4% QoQ	-0.2%	0.8% +27.6% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	35%
NIM	3.3% +13.3% YoY+6.5% QoQ	-0.1%	3.4% +6.6% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	39%
Efficiency Ratio	75.2% -3.1% YoY-11.0% QoQ	+2.2%	73.0% -2.7% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	59%
Delinquency Rate	0.2% -55.4% YoY+16.5% QoQ	-0.7	0.9% +7.3% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	Top 5.0% in tier
Loan To Share	99.6% +3.5% YoY+3.1% QoQ	+14.9%	84.7% +0.1% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	Top 14.7% in tier
AMR	$53,004 +9.1% YoY+2.8% QoQ	+$23K	$29,575 +1.5% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	Top 2.0% in tier
CD Concentration	38.2% +3.5% YoY+0.9% QoQ	+9.1%	29.1%	21.9%	20.0%	Top 13.9% in tier
Indirect Auto %	6.2% -5.4% YoY-3.8% QoQ	-11.9%	18.1%	6.4%	7.7%	27%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#17 of 69 • Top 11.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.12%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $5.5K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY

Wallet Share Momentum

growth

#43 of 125 • Top 11.6% in tier

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

Why This Signature

AMR Growth (YoY): 9.12%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Organic Growth Leader

growth

#105 of 112 • Top 65.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.87%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 6.20%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Organic Growth Engine

growth

#109 of 113 • Top 65.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.87%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.62%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 6.20%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#36 of 168 • Bottom 17.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.58%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 11.99%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (14 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $26,447

Peer Median: $12,809

#4 of 300 Top 1.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.26B

Peer Median: $1.14B

#6 of 300 Top 1.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $53,004

Peer Median: $28,089

#6 of 300 Top 1.7% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 10.68%

Peer Median: 33.59%

#9 of 300 Top 2.7% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: 0.70%

#16 of 300 Top 5.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.75B

Peer Median: $1.51B

#21 of 300 Top 6.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.27B

Peer Median: $1.30B

#30 of 300 Top 9.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.12%

Peer Median: 3.19%

#37 of 300 Top 12.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $310.47

Peer Median: $204.73

#38 of 300 Top 12.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Median: 0.52%

#43 of 300 Top 14.0% in 1B-3B tier

Top Weaknesses (2 metrics)

296

Members Per Employee (MPE)

engagement

Value: 201.207

Peer Median: 346.173

#296 of 300 Bottom 1.7% in 1B-3B tier

268

Share Certificate Concentration (%)

balance_sheet

Value: 38.17%

Peer Median: 28.24%

#268 of 300 Bottom 11.0% in 1B-3B tier