BlastPoint's Credit Union Scorecard
BLAZE
Charter #68651 · MN
BLAZE has 3 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
- + Organic Growth Engine: Top 21.8% 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
|
63% |
| 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
|
74% |
| 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
|
16% |
| 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
|
80% |
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| 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
|
47% |
| 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
|
42% |
| 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
|
59% |
| 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
|
50% |
| 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
|
30% |
| CD Concentration |
30.4%
+20.5% YoY+4.4% QoQ
|
+1.4% |
29.0%
+0.7% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
59% |
| Indirect Auto % |
11.6%
-23.9% YoY-8.5% QoQ
|
-7.1% |
18.8%
-3.0% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
40% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)