BlastPoint's Credit Union Scorecard

NORTHERN VALLEY

Charter #1344 · ND

<100M

2508 CUs in <100M nationally 17 in ND

NORTHERN VALLEY demonstrates 2 strengths

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.84% above tier average
+ Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	1,467 0% YoY+1.5% QoQ	-1.2K	2,676 +1.6% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	40%
Assets	$18.5M -4.8% YoY-9.6% QoQ	$-11.7M	$30.2M +1.3% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	46%
Loans	$12.2M -4.2% YoY-1.7% QoQ	$-3.1M	$15.3M -2.0% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	56%
Deposits	$15.7M -6.9% YoY-11.2% QoQ	$-10.0M	$25.8M +0.7% YoY	$173.7M +3.7% YoY	$494.3M +9.1% YoY	46%

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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	1.0% -5.4% YoY-9.6% QoQ	+0.8%	0.1% -77.6% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	68%
NIM	4.1% +6.7% YoY+7.7% QoQ	+0.1%	4.0% +4.0% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	78.3% +3.1% YoY+4.6% QoQ	-12.3%	90.6% +6.5% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	0.2% +131.7% QoQ	-1.3	1.5% +3.8% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	30%
Loan To Share	77.3% +2.8% YoY+10.7% QoQ	+18.8%	58.5% -3.0% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	78%
AMR	$19,023 -5.8% YoY-8.7% QoQ	+$4K	$14,884 -1.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	74%
CD Concentration	18.9% +48.0% YoY+21.1% QoQ	-5.4%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.1%	7.7%	50%

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 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

315

Net Charge-Off Rate

risk

Value: -0.05%

Peer Median: 0.07%

#315 of 2508 Top 12.5% in <100M tier

390

Loan-to-Member Ratio (LMR)

engagement

Value: $8,294

Peer Median: $4,923

#390 of 2508 Top 15.5% in <100M tier

539

Loan-to-Share Ratio

balance_sheet

Value: 77.31%

Peer Median: 58.72%

#539 of 2508 Top 21.5% in <100M tier

Top Weaknesses (3 metrics)

2205

Deposit Growth Rate

growth

Value: -6.89%

Peer Median: 0.66%

#2205 of 2508 Bottom 12.1% in <100M tier

2141

AMR Growth Rate

growth

Value: -5.75%

Peer Median: 1.27%

#2141 of 2508 Bottom 14.7% in <100M tier

2139

Asset Growth Rate

growth

Value: -4.80%

Peer Median: 1.30%

#2139 of 2508 Bottom 14.8% in <100M tier