BlastPoint's Credit Union Scorecard
TOPLINE FINANCIAL
Charter #68731 · MN
TOPLINE FINANCIAL has 1 strength but faces 6 concerns
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How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23.8% in tier
- - Credit Quality Pressure: Bottom 58.4% in tier
- - Credit Risk Growth: Bottom 62.4% in tier
- - Indirect Auto Dependency: Bottom 77.1% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 6.23% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,773
-0.3% YoY+0.3% QoQ
|
-26.3K |
96,048
-2.7% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$1.1B
+2.3% YoY+2.7% QoQ
|
$-572.6M |
$1.7B
+0.4% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$883.3M
+3.5% YoY+0.7% QoQ
|
$-330.5M |
$1.2B
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$986.8M
+3.5% YoY+2.7% QoQ
|
$-478.8M |
$1.5B
+0.5% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 15.0% in tier |
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| ROA |
0.5%
+18.1% YoY-22.0% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
3.6%
+5.6% YoY+0.6% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
80.9%
-3.8% YoY+2.7% QoQ
|
+6.2% |
74.6%
-3.0% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
0.7%
+0.3% YoY-21.1% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
89.5%
-0.0% YoY-1.9% QoQ
|
+6.3% |
83.2%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$26,802
+3.8% YoY+1.5% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
18.1%
+2.2% YoY+0.7% QoQ
|
-10.8% | 28.8% | 22.6% | 19.8% | Bottom 10.4% in tier |
| Indirect Auto % |
17.7%
-1.6% YoY-0.5% QoQ
|
-0.4% | 18.1% | 6.4% | 7.7% | 55% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)