BlastPoint's Credit Union Scorecard

MAGNIFI FINANCIAL

Charter #68604 · MN

Mid-Market 1B-3B

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

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MAGNIFI FINANCIAL has 8 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
+ Wallet Share Momentum: Top 11.6% in tier
+ Organic Growth Leader: Top 65.1% in tier
+ Organic Growth Engine: Top 65.1% 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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Minnesota.
Shares and deposits +8.2% year over year ($2.27B in shares and deposits).
Membership: 85,513 members, +0.9% vs a year ago.
Delinquency rate 0.21%.
Return on assets 0.62%.
Efficiency ratio 75.23% vs a 73.02% peer average.
Loan-to-share ratio 99.58% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

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

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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