BlastPoint's Credit Union Scorecard
TOPLINE FINANCIAL
Charter #68731 · MN
TOPLINE FINANCIAL has 2 strengths but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Share Certificate Concentration (%): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.5% in tier
- - Credit Quality Pressure: Bottom 20.8% in tier
- - Cost Spiral: Bottom 23.2% in tier
- - Stagnation Risk: Bottom 26.8% in tier
- - Credit Risk Growth: Bottom 27.7% in tier
- - Liquidity Strain: Bottom 30.5% in tier
- - Indirect Auto Dependency: Bottom 31.0% in tier
- - Membership Headwinds: Bottom 33.9% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 6.36% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,348
-0.5% YoY-1.3% QoQ
|
-29.3K |
98,678
-1.9% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$1.1B
-0.8% YoY-0.3% QoQ
|
$-617.7M |
$1.7B
+0.5% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.8% in tier |
| Loans |
$876.1M
+1.5% YoY+1.3% QoQ
|
$-356.9M |
$1.2B
+0.5% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$946.4M
+2.7% YoY+0.9% QoQ
|
$-508.0M |
$1.5B
+1.3% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.2% in tier |
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| ROA |
0.6%
-14.4% YoY-8.6% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.6%
+31.1% YoY+2.7% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
80.3%
+8.2% YoY+1.5% QoQ
|
+6.4% |
74.0%
-10.9% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.8%
+7.1% YoY+2.1% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
92.6%
-1.2% YoY+0.4% QoQ
|
+7.4% |
85.2%
-0.8% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$26,280
+2.6% YoY+2.5% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
17.7%
-2.5% YoY+0.9% QoQ
|
-11.3% |
29.0%
+0.7% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
Bottom 9.2% in tier |
| Indirect Auto % |
17.8%
-3.8% YoY-2.6% QoQ
|
-1.0% |
18.8%
-3.0% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
52% |
Signature Analysis
Strengths (0)
Concerns (8)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)