BlastPoint's Credit Union Scorecard
NORTHERN VALLEY
Charter #1344 · ND
NORTHERN VALLEY demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,471
-0.6% YoY+0.4% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$20.0M
+6.7% YoY+1.0% QoQ
|
$-9.9M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$12.7M
-5.8% YoY-2.7% QoQ
|
$-3.1M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$17.3M
+6.4% YoY+0.9% QoQ
|
$-8.1M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
1.1%
-50.7% YoY-6.4% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.9%
-0.6% YoY+1.1% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
74.2%
+26.2% YoY+2.7% QoQ
|
-7.2% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.0%
-62.9% YoY-21.6% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
15% |
| Loan To Share |
73.1%
-11.4% YoY-3.6% QoQ
|
+11.9% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$20,409
+1.5% YoY-1.1% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
13.5%
+10.7% YoY-1.3% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)