BlastPoint's Credit Union Scorecard

ST. CLOUD FINANCIAL

Charter #68697 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

ST. CLOUD FINANCIAL has 7 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

+ Strong member growth: 7.4% YoY
+ Total Loans: Top 1.8% in tier
+ Total Deposits: Top 4.3% in tier
+ Asset Growth Rate: Top 4.9% in tier
+ Total Assets: Top 5.3% in tier
+ Member Growth Rate: Top 5.9% in tier
+ Total Members: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.18% below tier average
- Efficiency ratio 7.28% above tier (higher cost structure)
- Net Worth Ratio: Bottom 1.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	28,213 +7.4% YoY+0.5% QoQ	+13.1K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	Top 7.9% in tier
Assets	$439.7M +12.4% YoY+2.3% QoQ	+$208.0M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	Top 5.4% in tier
Loans	$347.4M +7.5% YoY+2.2% QoQ	+$203.2M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Top 1.9% in tier
Deposits	$392.2M +8.8% YoY+2.4% QoQ	+$191.1M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	Top 4.4% 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	0.5% +12.6% YoY-53.0% QoQ	-0.2%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	39%
NIM	3.1% +8.1% YoY+4.7% QoQ	-0.6%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	85.3% -0.0% YoY+20.5% QoQ	+7.3%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.4% -26.1% YoY+10.3% QoQ	-0.4	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	32%
Loan To Share	88.6% -1.3% YoY-0.2% QoQ	+18.2%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	Top 13.3% in tier
AMR	$26,215 +0.8% YoY+1.8% QoQ	+$1K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	68%
CD Concentration	33.2% -1.1% YoY-4.9% QoQ	+8.9%	24.3%	22.6%	19.8%	50%
Indirect Auto %	18.9% -2.8% YoY+7.9% QoQ	+5.1%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk

#300 of 504 • 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): 12.44%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.86%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 7.38%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#369 of 596 • 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: 85.31%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 7.38%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $347.38M

Peer Median: $121.41M

#20 of 1070 Top 1.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $392.21M

Peer Median: $171.29M

#47 of 1070 Top 4.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.44%

Peer Median: 3.91%

#53 of 1070 Top 4.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $439.74M

Peer Median: $196.57M

#58 of 1070 Top 5.3% in 100M-500M tier

Member Growth Rate

growth

Value: 7.38%

Peer Median: -0.06%

#64 of 1070 Top 5.9% in 100M-500M tier

Total Members

engagement

Value: 28,213

Peer Median: 13,200

#84 of 1070 Top 7.8% in 100M-500M tier

142

Deposit Growth Rate

growth

Value: 8.84%

Peer Median: 3.30%

#142 of 1070 Top 13.2% in 100M-500M tier

142

Loan-to-Share Ratio

balance_sheet

Value: 88.57%

Peer Median: 71.88%

#142 of 1070 Top 13.2% in 100M-500M tier

176

Fee Income Per Member

profitability

Value: $226.70

Peer Median: $154.95

#176 of 1070 Top 16.4% in 100M-500M tier

240

Loan-to-Member Ratio (LMR)

engagement

Value: $12,313

Peer Median: $9,356

#240 of 1070 Top 22.3% in 100M-500M tier

Top Weaknesses (3 metrics)

1056

Net Worth Ratio

risk

Value: 7.46%

Peer Median: 11.45%

#1056 of 1070 Bottom 1.4% in 100M-500M tier

878

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: 3.62%

#878 of 1070 Bottom 18.0% in 100M-500M tier

860

Share Certificate Concentration (%)

balance_sheet

Value: 33.20%

Peer Median: 23.10%

#860 of 1070 Bottom 19.7% in 100M-500M tier