BlastPoint's Credit Union Scorecard

ST. CLOUD FINANCIAL

Charter #68697 · MN

100M-500M

1024 CUs in 100M-500M nationally 31 in MN

ST. CLOUD FINANCIAL has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Strong member growth: 6.8% YoY
+ Total Loans: Top 0.3% in tier
+ Total Deposits: Top 3.7% in tier
+ Total Assets: Top 4.3% in tier
+ Asset Growth Rate: Top 5.1% in tier
+ Loan Growth Rate: Top 5.2% in tier
+ Loan-to-Share Ratio: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 7.22% above tier (higher cost structure)
- Net Worth Ratio: Bottom 0.6% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
Shares and deposits +10.1% year over year ($400M in shares and deposits).
Membership: 29,001 members, +6.8% vs a year ago.
Delinquency rate 0.31%.
Return on assets 0.57%.
Efficiency ratio 83.96% vs a 76.73% peer average.
Loan-to-share ratio 95.49% vs a 71.54% 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	29,001 +6.8% YoY+2.8% QoQ	+13.8K	15,168 -2.6% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	Top 7.4% in tier
Assets	$456.4M +12.0% YoY+3.8% QoQ	+$224.3M	$232.0M +0.7% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	Top 4.4% in tier
Loans	$381.9M +17.0% YoY+9.9% QoQ	+$235.6M	$146.3M +0.2% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	Top 0.4% in tier
Deposits	$399.9M +10.1% YoY+2.0% QoQ	+$199.2M	$200.7M +0.2% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	Top 3.8% 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% -61.8% YoY+2.9% QoQ	-0.3%	0.9% +12.5% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	33%
NIM	3.0% +5.3% YoY-0.7% QoQ	-0.6%	3.7% +4.5% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	Bottom 15.0% in tier
Efficiency Ratio	84.0% +27.2% YoY-1.6% QoQ	+7.2%	76.7% -0.8% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	73%
Delinquency Rate	0.3% -37.3% YoY-22.8% QoQ	-0.6	0.9% +6.6% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	20%
Loan To Share	95.5% +6.3% YoY+7.8% QoQ	+23.9%	71.5% -0.3% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	Top 5.6% in tier
AMR	$26,957 +6.2% YoY+2.8% QoQ	+$2K	$25,107 +3.2% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	70%
CD Concentration	33.2% -2.5% YoY-0.1% QoQ	+8.6%	24.6%	21.9%	20.0%	50%
Indirect Auto %	20.0% +4.5% YoY+5.8% QoQ	+6.3%	13.6%	6.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#361 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.20%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Cost Spiral

risk

#9 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 17.96% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.99%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Liquidity Strain

risk

#32 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.49%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 17.04%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#255 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 12.04%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 19.96%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.76%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Efficiency Drag

risk

#511 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.96%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.92% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 6.76%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (12 metrics)

Total Loans

balance_sheet

Value: $381.87M

Peer Median: $124.04M

#4 of 1024 Top 0.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $399.90M

Peer Median: $170.77M

#39 of 1024 Top 3.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $456.35M

Peer Median: $196.38M

#45 of 1024 Top 4.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.04%

Peer Median: 4.12%

#53 of 1024 Top 5.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.04%

Peer Median: 3.02%

#54 of 1024 Top 5.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.49%

Peer Median: 73.07%

#57 of 1024 Top 5.5% in 100M-500M tier

Member Growth Rate

growth

Value: 6.76%

Peer Median: -0.03%

#63 of 1024 Top 6.1% in 100M-500M tier

Total Members

engagement

Value: 29,001

Peer Median: 13,128

#76 of 1024 Top 7.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.09%

Peer Median: 3.58%

#93 of 1024 Top 9.0% in 100M-500M tier

189

Loan-to-Member Ratio (LMR)

engagement

Value: $13,167

Peer Median: $9,434

#189 of 1024 Top 18.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1019

Net Worth Ratio

risk

Value: 7.22%

Peer Median: 11.71%

#1019 of 1024 Bottom 0.6% in 100M-500M tier

870

Net Interest Margin (NIM)

profitability

Value: 3.04%

Peer Median: 3.67%

#870 of 1024 Bottom 15.1% in 100M-500M tier

820

Share Certificate Concentration (%)

balance_sheet

Value: 33.17%

Peer Median: 23.39%

#820 of 1024 Bottom 20.0% in 100M-500M tier