BlastPoint's Credit Union Scorecard
MAGNIFI FINANCIAL
Charter #68604 · MN
MAGNIFI FINANCIAL has 8 strengths but faces 5 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 16.6% in tier
- + Wallet Share Momentum: Top 16.6% in tier
- + Organic Growth Leader: Top 65.5% in tier
- + Organic Growth Engine: Top 65.5% in tier
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Average Member Relationship (AMR): Top 1.6% in tier
- + First Mortgage Concentration (%): Top 2.0% in tier
- + Total Loans: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.1% in tier
- - Liquidity Strain: Bottom 18.3% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 9.90% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,373
+0.9% YoY+0.5% QoQ
|
-10.7K |
96,048
-2.7% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$2.7B
+7.1% YoY+2.4% QoQ
|
+$951.5M |
$1.7B
+0.4% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
Top 8.8% in tier |
| Loans |
$2.2B
+9.9% YoY+0.6% QoQ
|
+$948.5M |
$1.2B
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Top 3.3% in tier |
| Deposits |
$2.2B
+7.0% YoY+4.1% QoQ
|
+$772.8M |
$1.5B
+0.5% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Top 10.8% in tier |
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| ROA |
0.4%
+1.0% YoY-36.6% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
3.1%
+10.3% YoY+0.3% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
84.5%
+4.2% YoY+12.4% QoQ
|
+9.9% |
74.6%
-3.0% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate |
0.2%
-59.6% YoY-50.4% QoQ
|
-0.6 |
0.8%
+6.9% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 7.5% in tier |
| Loan To Share |
96.6%
+2.8% YoY-3.4% QoQ
|
+13.4% |
83.2%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
84% |
| AMR |
$51,545
+7.5% YoY+1.8% QoQ
|
+$22K |
$29,652
+2.3% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Top 2.0% in tier |
| CD Concentration |
37.8%
+2.8% YoY+4.3% QoQ
|
+9.0% | 28.8% | 22.6% | 19.8% | Top 14.6% in tier |
| Indirect Auto % |
6.4%
-9.1% YoY-6.7% QoQ
|
-11.6% | 18.1% | 6.4% | 7.7% | 29% |
Signature Analysis
Strengths (4)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)