BlastPoint's Credit Union Scorecard
SMW FINANCIAL
Charter #68676 · MN
SMW FINANCIAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 2.5% in tier
- + Total Assets: Top 3.7% in tier
- + Total Loans: Top 4.3% in tier
- + Average Member Relationship (AMR): Top 5.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency ratio 5.66% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,609
-1.8% YoY-1.2% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$90.8M
+0.3% YoY+1.0% QoQ
|
+$60.7M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Top 3.7% in tier |
| Loans |
$52.2M
-3.7% YoY-2.4% QoQ
|
+$36.5M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Top 4.3% in tier |
| Deposits |
$81.0M
-0.8% YoY+1.0% QoQ
|
+$55.3M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 2.5% in tier |
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| ROA |
0.5%
+105.3% YoY-5.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.2%
+9.4% YoY-0.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
88.2%
-6.1% YoY+0.5% QoQ
|
+5.7% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.2%
+235.3% YoY+10.6% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
64.5%
-3.0% YoY-3.4% QoQ
|
+3.9% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$28,913
-0.1% YoY+0.8% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 5.0% in tier |
| CD Concentration |
24.3%
-9.0% YoY-5.5% QoQ
|
-0.1% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
7.9%
-26.2% YoY-10.6% QoQ
|
-5.8% | 13.8% | 6.5% | 7.8% | 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)