BlastPoint's Credit Union Scorecard
SOUTHPOINT FINANCIAL
Charter #68667 · MN
SOUTHPOINT FINANCIAL has 2 strengths but faces 5 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
- + Total Delinquency Rate (60+ days): Top 6.7% in tier
- + Deposit Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36.6% in tier
- - Credit Quality Pressure: Bottom 40.0% in tier
- - Indirect Auto Dependency: Bottom 50.4% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 1.77% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Minnesota.
- Shares and deposits +11.2% year over year ($536M in shares and deposits).
- Membership: 34,823 members, +4.0% vs a year ago.
- Delinquency rate 0.17%.
- Return on assets 0.76%.
- Efficiency ratio 78.33% vs a 76.56% peer average.
- Loan-to-share ratio 86.80% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,823
+4.0% YoY+1.3% QoQ
|
-3.1K |
37,897
-5.0% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$608.9M
+4.2% YoY-1.8% QoQ
|
$-13.5M |
$622.4M
+0.6% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$465.3M
+5.8% YoY+2.3% QoQ
|
+$36.8M |
$428.5M
-0.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$536.1M
+11.2% YoY-0.6% QoQ
|
$-3.7M |
$539.8M
+0.9% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.8%
+47.4% YoY-13.1% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.0%
+11.3% YoY+1.6% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
78.3%
-9.3% YoY+2.2% QoQ
|
+1.8% |
76.6%
-3.6% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.2%
+97.7% YoY+13.6% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Top 6.7% in tier |
| Loan To Share |
86.8%
-4.8% YoY+2.9% QoQ
|
+7.5% |
79.3%
-1.4% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$28,757
+4.4% YoY-0.5% QoQ
|
+$1K |
$27,294
+4.1% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
36.9%
+6.4% YoY+2.1% QoQ
|
+12.3% | 24.6% | 21.9% | 20.0% | Top 11.5% in tier |
| Indirect Auto % |
18.1%
-8.0% YoY-0.6% QoQ
|
+4.5% | 13.6% | 6.4% | 7.7% | 69% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)