BlastPoint's Credit Union Scorecard

ARISE COMMUNITY

Charter #68740 · MN

2556 CUs in <100M nationally 38 in MN

ARISE COMMUNITY has 6 strengths but faces 15 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: 1500.0% YoY
+ Deposit Growth Rate: Top 0.0% in tier
+ Fee Income Per Member: Top 0.0% in tier
+ AMR Growth Rate: Top 0.0% in tier
+ Member Growth Rate: Top 0.1% in tier
+ Net Worth Ratio: Top 0.1% in tier

Key Concerns

Areas that may need attention

- ROA 7.65% below tier average
- Efficiency ratio 41.23% above tier (higher cost structure)
- Loan Growth Rate: Bottom 0.0% in tier
- Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- Net Charge-Off Rate: Bottom 0.0% in tier
- Indirect Auto Concentration (%): Bottom 0.0% in tier
- First Mortgage Concentration (%): Bottom 0.0% in tier
- Total Deposits: Bottom 0.2% in tier
- Average Member Relationship (AMR): Bottom 0.3% in tier
- Total Loans: Bottom 0.5% in tier
- Loan-to-Share Ratio: Bottom 0.5% in tier
- Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- Total Members: Bottom 0.8% in tier
- Members Per Employee (MPE): Bottom 3.4% in tier
- Total Assets: Bottom 5.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	80 +1500.0% YoY+21.2% QoQ	-2.5K	2,615 -1.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	Bottom 0.8% in tier
Assets	$1.0M -4.6% YoY-8.4% QoQ	$-29.1M	$30.1M +2.1% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	Bottom 5.7% in tier
Loans	$0.0 -100.0% QoQ	$-15.8M	$15.8M -1.3% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	Bottom 0.0% in tier
Deposits	$30,066 +39460.5% YoY+55.8% QoQ	$-25.7M	$25.7M +1.4% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	Bottom 0.2% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-7.0% -107.3% YoY-422.3% QoQ	-7.7%	0.6% +10.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	Bottom 0.7% in tier
NIM	2.7% +277.0% YoY+16.8% QoQ	-1.2%	4.0% +4.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Bottom 12.6% in tier
Efficiency Ratio	123.8% +624.9% YoY+31.9% QoQ	+41.2%	82.6% -2.3% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	Top 3.6% in tier
Delinquency Rate	-	-	1.6% -3.1% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	-
Loan To Share	0.0% -100.0% QoQ	-60.6%	60.6% -3.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	Bottom 0.0% in tier
AMR	$375.8 +2372.5% YoY+28.0% QoQ	$-14K	$14,783 -1.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	Bottom 0.3% in tier
CD Concentration	24.8% +265.9% QoQ	+0.4%	24.4%	22.0%	19.8%	50%
Indirect Auto %	-	-	13.8%	6.5%	7.8%	-

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (5 metrics)

Deposit Growth Rate

growth

Value: 39460.53%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Fee Income Per Member

profitability

Value: $3,655

Peer Median: -

#2 of 2556 Top 0.0% in <100M tier

AMR Growth Rate

growth

Value: 2372.53%

Peer Median: -

#2 of 2556 Top 0.0% in <100M tier

Member Growth Rate

growth

Value: 1500.00%

Peer Median: -

#3 of 2556 Top 0.1% in <100M tier

Net Worth Ratio

risk

Value: 96.72%

Peer Median: -

#4 of 2556 Top 0.1% in <100M tier

Top Weaknesses (17 metrics)

2556

Loan Growth Rate

growth

Value: -

Peer Median: -