BLAZE

Charter #68651 | MN

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in MN

BLAZE has 5 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 20.5% in tier
  • + Organic Growth Engine: Top 21.8% in tier
  • + Wallet Share Momentum: Top 22.7% in tier
  • + Organic Growth Leader: Top 26.5% in tier
  • + ROA 0.04% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 20.0% in tier
  • - Efficiency ratio 1.94% above tier (higher cost structure)
  • - Loan-to-Share Ratio: Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 252,422
+1.8% YoY+0.7% QoQ
 +14.0K 238,465
+0.6% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 63rd in tier
Assets $4.5B
-1.7% YoY-0.1% QoQ
 +$496.7M $4.0B
-0.1% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 74th in tier
Loans $2.5B
+1.2% YoY-0.3% QoQ
 $-509.0M $3.0B
+3.3% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Bottom 15.8% in tier
Deposits $3.8B
+8.3% YoY+2.0% QoQ
 +$459.4M $3.3B
+1.1% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Top 19.7% in tier
ROA 0.8%
+18.5% YoY-1.4% QoQ
 +0.0% 0.7%
+5.3% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 47th in tier
NIM 3.1%
-0.7% YoY+1.0% QoQ
 -0.2% 3.2%
+13.7% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 42nd in tier
Efficiency Ratio 73.2%
-0.4% YoY+0.7% QoQ
 +1.9% 71.3%
-0.6% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 59th in tier
Delinquency Rate 0.6%
-17.0% YoY-11.5% QoQ
 -0.2 0.8%
+15.9% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 66.2%
-6.5% YoY-2.3% QoQ
 -24.7% 90.8%
+2.0% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 2.6% in tier
AMR $24,968
+3.5% YoY+0.4% QoQ
 $-4K $29,088
+0.1% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 30th in tier
CD Concentration 30.4%
+20.5% YoY+4.4% QoQ
 +1.4% 29.0%
+0.8% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 59th in tier
Indirect Auto % 11.6%
-23.9% YoY-8.5% QoQ
 -7.2% 18.8%
-2.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 40th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#149 of 264 • Top 20.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.46%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#159 of 246 • Top 21.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.80%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.78%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 11.64%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#165 of 264 • Top 22.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.46%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Leader

growth
#105 of 138 • Top 26.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.80%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (1)

Flatlined Growth

risk
#8 of 18 • Bottom 20.0% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $4.47B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -1.68%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.78%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

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)

Comparing against 76 peers in tier

Top Strengths (3 metrics)

15
Total Deposits
balance_sheet
Value: $3.79B
Peer Avg: $3.33B
#15 of 76 Top 18.4% in 3B-5B tier
18
Fee Income Per Member
profitability
Value: $242.16
Peer Avg: $191.96
#18 of 76 Top 22.4% in 3B-5B tier
20
Total Assets
balance_sheet
Value: $4.47B
Peer Avg: $3.97B
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (6 metrics)

74
Loan-to-Share Ratio
balance_sheet
Value: 66.18%
Peer Avg: 90.85%
#74 of 76 Bottom 3.9% in 3B-5B tier
68
Loan-to-Member Ratio (LMR)
engagement
Value: $9,944
Peer Avg: $13,761
#68 of 76 Bottom 11.8% in 3B-5B tier
65
Asset Growth Rate
growth
Value: -1.68%
Peer Avg: 7.42%
#65 of 76 Bottom 15.8% in 3B-5B tier
64
Total Loans
balance_sheet
Value: $2.51B
Peer Avg: $3.02B
#64 of 76 Bottom 17.1% in 3B-5B tier
63
Net Worth Ratio
risk
Value: 9.09%
Peer Avg: 10.75%
#63 of 76 Bottom 18.4% in 3B-5B tier
61
Loan Growth Rate
growth
Value: 1.18%
Peer Avg: 9.56%
#61 of 76 Bottom 21.1% in 3B-5B tier