BlastPoint's Credit Union Scorecard
BLAZE
Charter #68651 · MN
BLAZE has 6 strengths but faces 2 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
- + Wallet Share Momentum: Top 25.0% in tier
- + Organic Growth Leader: Top 45.0% in tier
- + Organic Growth Engine: Top 45.0% in tier
- + ROA 0.10% above tier average
- + Total Assets: Top 3.8% in tier
- + Total Deposits: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.92% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
256,228
+2.6% YoY+0.9% QoQ
|
+35.8K |
220,435
-7.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$4.8B
+9.0% YoY+5.2% QoQ
|
+$904.7M |
$3.9B
-1.5% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
Top 5.1% in tier |
| Loans |
$2.6B
+6.7% YoY+2.4% QoQ
|
$-252.1M |
$2.9B
-1.1% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$4.0B
+10.0% YoY+3.9% QoQ
|
+$743.9M |
$3.3B
-2.5% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Top 7.7% in tier |
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| ROA |
0.8%
-0.9% YoY+5.5% QoQ
|
+0.1% |
0.7%
+10.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
3.0%
-2.7% YoY-0.3% QoQ
|
-0.2% |
3.2%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
72.2%
+0.4% YoY-1.3% QoQ
|
+0.9% |
71.3%
-2.6% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
0.5%
-32.1% YoY-18.6% QoQ
|
-0.3 |
0.7%
+9.2% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
65.3%
-3.0% YoY-1.4% QoQ
|
-22.6% |
88.0%
+0.9% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.4% in tier |
| AMR |
$26,081
+6.0% YoY+2.4% QoQ
|
$-5K |
$30,672
+5.5% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
30.6%
+15.1% YoY-0.5% QoQ
|
+1.8% | 28.8% | 22.6% | 19.8% | 59% |
| Indirect Auto % |
10.3%
-24.4% YoY-5.6% QoQ
|
-7.8% | 18.1% | 6.4% | 7.7% | 39% |
Signature Analysis
Strengths (3)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)