BlastPoint's Credit Union Scorecard

BLAZE

Charter #68651 · MN

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 2 in MN

View Mid-Market leaderboard →

BLAZE has 4 strengths but faces 2 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

+ Organic Growth Engine: Top 70.7% in tier
+ Organic Growth Leader: Top 83.0% in tier
+ Wallet Share Momentum: Top 86.9% in tier
+ ROA 0.07% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 1.72% above tier (higher cost structure)
- Loan-to-Share Ratio: Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	253,895 +1.6% YoY+0.6% QoQ	+23.5K	230,353 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	67%
Assets	$4.6B +7.5% YoY+2.5% QoQ	+$640.0M	$3.9B +0.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	82%
Loans	$2.6B +3.2% YoY+2.7% QoQ	$-356.6M	$2.9B -0.2% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	24%
Deposits	$3.9B +10.2% YoY+2.6% QoQ	+$579.4M	$3.3B -0.3% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	Top 14.5% 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	0.8% +26.6% YoY+0.6% QoQ	+0.1%	0.7% +16.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	51%
NIM	3.0% +0.3% YoY-0.6% QoQ	-0.1%	3.1% +9.8% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	49%
Efficiency Ratio	73.1% -2.2% YoY-0.1% QoQ	+1.7%	71.4% -1.4% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	60%
Delinquency Rate	0.6% -44.5% YoY-0.3% QoQ	-0.3	0.9% +5.8% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	43%
Loan To Share	66.3% -6.3% YoY+0.2% QoQ	-22.6%	88.9% -0.2% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	Bottom 5.3% in tier
AMR	$25,478 +5.6% YoY+2.0% QoQ	$-4K	$29,682 +1.5% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	32%
CD Concentration	30.8% +19.7% YoY+1.4% QoQ	+1.7%	29.0%	22.0%	19.8%	59%
Indirect Auto %	10.9% -23.6% YoY-6.1% QoQ	-7.4%	18.3%	6.5%	7.8%	39%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#175 of 247 • Top 70.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.59%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.79%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 10.93%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#118 of 142 • Top 83.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.59%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 10.93%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Wallet Share Momentum

growth

#107 of 123 • Top 86.9% in tier

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

Why This Signature

AMR Growth (YoY): 5.61%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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 76 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $3.89B

Peer Median: -

#11 of 76 Top 13.2% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.58B

Peer Median: -

#14 of 76 Top 17.1% in 3B-5B tier

Fee Income Per Member

profitability

Value: $243.08

Peer Median: -

#18 of 76 Top 22.4% in 3B-5B tier

Deposit Growth Rate

growth

Value: 10.17%

Peer Median: -

#20 of 76 Top 25.0% in 3B-5B tier

AMR Growth Rate

growth

Value: 5.61%

Peer Median: -

#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 66.28%

Peer Median: -

#72 of 76 Bottom 6.6% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,156

Peer Median: -

#66 of 76 Bottom 14.5% in 3B-5B tier

Net Worth Ratio

risk

Value: 8.82%

Peer Median: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Total Loans

balance_sheet

Value: $2.58B

Peer Median: -

#58 of 76 Bottom 25.0% in 3B-5B tier