BlastPoint's Credit Union Scorecard
TOPLINE FINANCIAL
Charter #68731 · MN
TOPLINE FINANCIAL has 2 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Share Certificate Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 94.5% in tier
- - Indirect Auto Dependency: Bottom 94.9% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 4.70% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,595
+0.1% YoY+0.4% QoQ
|
-27.8K |
97,431
-2.4% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$1.1B
+0.9% YoY+1.4% QoQ
|
$-606.5M |
$1.7B
+0.9% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.9% in tier |
| Loans |
$877.1M
+2.0% YoY+0.1% QoQ
|
$-357.3M |
$1.2B
+0.5% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$961.3M
+4.2% YoY+1.6% QoQ
|
$-498.0M |
$1.5B
+0.9% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.9% in tier |
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| ROA |
0.7%
+14.1% YoY+8.8% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.6%
+38.5% YoY-0.5% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
78.8%
+2.1% YoY-2.0% QoQ
|
+4.7% |
74.1%
-9.5% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.8%
-2.0% YoY+0.2% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
91.2%
-2.1% YoY-1.4% QoQ
|
+6.5% |
84.8%
-0.8% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$26,416
+3.0% YoY+0.5% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
17.9%
-1.5% YoY+1.5% QoQ
|
-11.1% | 29.0% | 22.0% | 19.8% | Bottom 9.8% in tier |
| Indirect Auto % |
17.8%
-0.8% YoY+0.1% QoQ
|
-0.5% | 18.3% | 6.5% | 7.8% | 54% |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)