BlastPoint's Credit Union Scorecard
NORTHERN VALLEY
Charter #1344 · ND
NORTHERN VALLEY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 29.8% YoY
- + Member Growth Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - AMR Growth Rate: Bottom 1.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +2.0% year over year ($17.5M in shares and deposits).
- Membership: 1,902 members, +29.8% vs a year ago.
- Delinquency rate 0.04%.
- Return on assets 0.93%.
- Efficiency ratio 77.98% vs a 88.77% peer average.
- Loan-to-share ratio 69.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,902
+29.8% YoY+29.7% QoQ
|
-683 |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$20.3M
+2.9% YoY+10.1% QoQ
|
$-9.9M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$12.3M
-6.0% YoY+0.7% QoQ
|
$-3.2M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$17.5M
+2.0% YoY+11.4% QoQ
|
$-8.3M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
49% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
-23.4% YoY-5.6% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.8%
-2.0% YoY-8.4% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
78.0%
+8.0% YoY-0.4% QoQ
|
-10.8% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
0.0%
-82.3% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
69.9%
-7.9% YoY-9.6% QoQ
|
+11.0% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$15,662
-24.1% YoY-17.7% QoQ
|
+$699 |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
20.7%
+51.3% YoY+9.2% QoQ
|
-3.9% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)