BlastPoint's Credit Union Scorecard
SOUTHPOINT FINANCIAL
Charter #68667 · MN
SOUTHPOINT FINANCIAL has 5 strengths but faces 1 concern
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 39.6% in tier
- + ROA 0.19% above tier average
- + Total Delinquency Rate (60+ days): Top 6.6% in tier
- + Deposit Growth Rate: Top 8.4% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 24.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,392
+4.4% YoY+1.4% QoQ
|
-3.7K |
38,079
-4.8% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$620.0M
+7.2% YoY+1.7% QoQ
|
+$298K |
$619.7M
-0.2% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$454.7M
+7.6% YoY+0.8% QoQ
|
+$35.3M |
$419.3M
-1.4% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$539.1M
+10.7% YoY+4.8% QoQ
|
$-361K |
$539.5M
-0.1% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
0.9%
+73.8% YoY+41.4% QoQ
|
+0.2% |
0.7%
+36.0% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
3.0%
+12.8% YoY+6.0% QoQ
|
-0.5% |
3.5%
+4.5% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
76.7%
-11.2% YoY-6.7% QoQ
|
-1.7% |
78.4%
-3.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.1%
-22.4% YoY-67.1% QoQ
|
-0.6 |
0.7%
-0.9% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 6.6% in tier |
| Loan To Share |
84.3%
-2.8% YoY-3.9% QoQ
|
+6.7% |
77.7%
-1.2% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$28,896
+4.7% YoY+1.5% QoQ
|
+$2K |
$26,927
+3.1% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
36.1%
+3.1% YoY-0.9% QoQ
|
+11.8% | 24.3% | 22.6% | 19.8% | Top 12.5% in tier |
| Indirect Auto % |
18.2%
-6.3% YoY-1.9% QoQ
|
+4.4% | 13.8% | 6.4% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)