BlastPoint's Credit Union Scorecard
SMW FINANCIAL
Charter #68676 · MN
SMW FINANCIAL has 7 strengths but faces 1 concern
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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| 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)
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)