BlastPoint's Credit Union Scorecard
NORTHERN STS PWR COMPANY EMP
Charter #147 · ND
NORTHERN STS PWR COMPANY EMP has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Member decline: -9.1% YoY
- - Total Members: Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
- - Members Per Employee (MPE): Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 4.5% 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 -12.9% year over year ($1.3M in shares and deposits).
- Membership: 110 members, -9.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.97%.
- Efficiency ratio 45.95% vs a 88.77% peer average.
- Loan-to-share ratio 75.46% 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 |
110
-9.1% YoY-3.5% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 1.6% in tier |
| Assets |
$1.5M
-11.6% YoY-1.4% QoQ
|
$-28.8M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.2% in tier |
| Loans |
$982,491
-17.2% YoY-7.8% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.3% in tier |
| Deposits |
$1.3M
-12.9% YoY-1.8% QoQ
|
$-24.5M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.1% in tier |
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| ROA |
1.0%
-22.9% YoY-13.8% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
1.8%
-15.1% YoY-10.7% QoQ
|
-2.1% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
45.9%
+13.4% YoY+4.3% QoQ
|
-42.8% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
75.5%
-4.9% YoY-6.2% QoQ
|
+16.6% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$20,768
-6.3% YoY-1.0% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration | 0.0% | -24.6% | 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)