BlastPoint's Credit Union Scorecard

SMW FINANCIAL

Charter #68676 · MN

<100M

2508 CUs in <100M nationally 38 in MN

SMW FINANCIAL has 7 strengths but faces 1 concern

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.43% above tier average
+ Total Deposits: Top 2.0% in tier
+ Total Assets: Top 3.1% in tier
+ Total Loans: Top 3.1% in tier
+ Average Member Relationship (AMR): Top 4.7% in tier
+ Loan-to-Member Ratio (LMR): Top 4.9% in tier
+ Fee Income Per Member: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	4,624 -1.2% YoY+0.3% QoQ	+1.9K	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	84%
Assets	$92.1M +3.1% YoY+1.4% QoQ	+$61.9M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	Top 3.1% in tier
Loans	$54.0M +0.9% YoY+3.4% QoQ	+$38.8M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Top 3.2% in tier
Deposits	$82.2M +2.6% YoY+1.4% QoQ	+$56.4M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	Top 2.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +44.1% YoY+22.7% QoQ	+0.4%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	48%
NIM	3.2% +5.4% YoY-1.0% QoQ	-0.9%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	82.9% -7.6% YoY-6.0% QoQ	-7.7%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	53%
Delinquency Rate	0.1% -41.5% QoQ	-1.4	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	24%
Loan To Share	65.8% -1.7% YoY+1.9% QoQ	+7.2%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	60%
AMR	$29,459 +3.2% YoY+1.9% QoQ	+$15K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	Top 4.8% in tier
CD Concentration	22.9% -12.4% YoY-6.0% QoQ	-1.4%	24.3%	22.6%	19.8%	50%
Indirect Auto %	10.2% +4.6% YoY+28.1% QoQ	-3.6%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (8 metrics)

Total Deposits

balance_sheet

Value: $82.18M

Peer Median: $18.77M

#50 of 2508 Top 2.0% in <100M tier

Total Assets

balance_sheet

Value: $92.08M

Peer Median: $21.86M

#78 of 2508 Top 3.1% in <100M tier

Total Loans

balance_sheet

Value: $54.04M

Peer Median: $9.48M

#80 of 2508 Top 3.1% in <100M tier

120

Average Member Relationship (AMR)

engagement

Value: $29,459

Peer Median: $13,926

#120 of 2508 Top 4.7% in <100M tier

124

Loan-to-Member Ratio (LMR)

engagement

Value: $11,686

Peer Median: $4,923

#124 of 2508 Top 4.9% in <100M tier

228

Fee Income Per Member

profitability

Value: $160.86

Peer Median: $60.42

#228 of 2508 Top 9.1% in <100M tier

399

Total Members

engagement

Value: 4,624

Peer Median: 1,918

#399 of 2508 Top 15.9% in <100M tier

600

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.65%

#600 of 2508 Top 23.9% in <100M tier

Top Weaknesses (4 metrics)

2294

Indirect Auto Concentration (%)

balance_sheet

Value: 10.17%

Peer Median: 0.00%

#2294 of 2508 Bottom 8.6% in <100M tier

2029

First Mortgage Concentration (%)

balance_sheet

Value: 31.97%

Peer Median: 3.66%

#2029 of 2508 Bottom 19.1% in <100M tier

1939

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.83%

#1939 of 2508 Bottom 22.7% in <100M tier

1918

Net Worth Ratio

risk

Value: 10.87%

Peer Median: 14.28%

#1918 of 2508 Bottom 23.6% in <100M tier