BlastPoint's Credit Union Scorecard

ST. CLOUD FINANCIAL

Charter #68697 · MN

1077 CUs in 100M-500M nationally 31 in MN

ST. CLOUD FINANCIAL has 12 strengths but faces 5 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

+ Organic Growth Leader: Top 2.5% in tier
+ Organic Growth Engine: Top 4.0% in tier
+ Profitability Leader: Top 92.0% in tier
+ ROA 0.36% above tier average
+ Strong member growth: 9.2% YoY
+ Total Loans: Top 2.9% in tier
+ Member Growth Rate: Top 3.8% in tier
+ Fee Income Per Member: Top 4.0% in tier
+ Total Deposits: Top 8.2% in tier
+ Asset Growth Rate: Top 9.1% in tier
+ Total Members: Top 9.3% in tier
+ Total Assets: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 11.8% in tier
- Indirect Auto Dependency: Bottom 22.9% in tier
- Liquidity Strain: Bottom 26.5% in tier
- Net Worth Ratio: Bottom 1.5% in tier
- AMR Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	27,804 +9.2% YoY+2.4% QoQ	+12.2K	15,628 -3.4% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	Top 9.4% in tier
Assets	$408.9M +10.7% YoY+0.4% QoQ	+$177.6M	$231.3M -0.0% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	Top 9.7% in tier
Loans	$332.5M +5.7% YoY+1.9% QoQ	+$184.7M	$147.8M -1.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	Top 3.0% in tier
Deposits	$363.4M +6.3% YoY+0.0% QoQ	+$163.1M	$200.3M -0.0% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	Top 8.3% 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	1.2% +283.1% YoY-22.3% QoQ	+0.4%	0.8% +15.5% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	75%
NIM	2.9% +4.6% YoY+1.3% QoQ	-0.7%	3.6% +6.9% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	17%
Efficiency Ratio	70.7% -18.8% YoY+7.1% QoQ	-6.6%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	27%
Delinquency Rate	0.4% -40.7% YoY-11.1% QoQ	-0.4	0.9% +7.6% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	32%
Loan To Share	91.5% -0.5% YoY+1.9% QoQ	+18.8%	72.7% -1.5% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	Top 13.1% in tier
AMR	$25,027 -2.9% YoY-1.4% QoQ	+$663	$24,363 +2.9% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	65%
CD Concentration	33.5% -5.7% YoY-1.7% QoQ	+9.0%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.9% -9.5% YoY-11.6% QoQ	+2.9%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#34 of 430 • Top 2.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.17%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 16.88%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#74 of 603 • Top 4.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.17%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.15%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 16.88%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#313 of 340 • Top 92.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.15%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.85% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#119 of 244 • Bottom 11.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.87%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#369 of 525 • Bottom 22.9% in tier

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

Why This Signature

Asset Growth (YoY): 10.68%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 16.88%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 9.17%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk

#206 of 258 • Bottom 26.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.50%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.73%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $332.48M

Peer Avg: -

#32 of 1077 Top 2.9% in 100M-500M tier

Member Growth Rate

growth

Value: 9.17%

Peer Avg: -

#42 of 1077 Top 3.8% in 100M-500M tier

Fee Income Per Member

profitability

Value: $316.39

Peer Avg: -

#44 of 1077 Top 4.0% in 100M-500M tier

Total Deposits

balance_sheet

Value: $363.35M

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.68%

Peer Avg: -

#99 of 1077 Top 9.1% in 100M-500M tier

101

Total Members

engagement

Value: 27,804

Peer Avg: -

#101 of 1077 Top 9.3% in 100M-500M tier

105

Total Assets

balance_sheet

Value: $408.85M

Peer Avg: -

#105 of 1077 Top 9.7% in 100M-500M tier

141

Loan-to-Share Ratio

balance_sheet

Value: 91.50%

Peer Avg: -

#141 of 1077 Top 13.0% in 100M-500M tier

259

Loan-to-Member Ratio (LMR)

engagement

Value: $11,958

Peer Avg: -

#259 of 1077 Top 24.0% in 100M-500M tier

266

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Avg: -

#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (4 metrics)

1062

Net Worth Ratio

risk

Value: 7.55%

Peer Avg: -

#1062 of 1077 Bottom 1.5% in 100M-500M tier

986

AMR Growth Rate

growth

Value: -2.87%

Peer Avg: -

#986 of 1077 Bottom 8.5% in 100M-500M tier

892

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Avg: -

#892 of 1077 Bottom 17.3% in 100M-500M tier

871

Share Certificate Concentration (%)

balance_sheet

Value: 33.46%

Peer Avg: -

#871 of 1077 Bottom 19.2% in 100M-500M tier