BlastPoint's Credit Union Scorecard
NORTHERN STS PWR COMPANY EMP
Charter #147 · ND
<100M
2508 CUs in <100M nationally
17 in ND
NORTHERN STS PWR COMPANY EMP has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.5% YoY
- - Total Members: Bottom 1.8% in tier
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Members Per Employee (MPE): Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 5.0% in tier
- - Member Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
114
-9.5% YoY-5.8% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$1.5M
-10.4% YoY-3.4% QoQ
|
$-28.7M |
$30.2M
+1.3% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.5% in tier |
| Loans |
$1.1M
-11.9% YoY-6.6% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.9% in tier |
| Deposits |
$1.3M
-11.8% YoY-4.1% QoQ
|
$-24.5M |
$25.8M
+0.7% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.3% in tier |
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| ROA |
1.1%
+3.6% YoY+218.5% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
2.0%
+2.5% YoY+63.6% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio |
44.1%
-1.3% YoY-38.2% QoQ
|
-46.6% |
90.6%
+6.5% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
80.4%
-0.1% YoY-2.6% QoQ
|
+21.9% |
58.5%
-3.0% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$20,980
-2.5% YoY+0.6% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
70
Efficiency Ratio
profitability
Value:
44.06%
Peer Median: 81.45%
#70 of 2508
Top 2.8% in <100M tier
257
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,352
Peer Median: $4,923
#257 of 2508
Top 10.2% in <100M tier
444
Loan-to-Share Ratio
balance_sheet
Value:
80.42%
Peer Median: 58.72%
#444 of 2508
Top 17.7% in <100M tier
466
Average Member Relationship (AMR)
engagement
Value:
$20,980
Peer Median: $13,926
#466 of 2508
Top 18.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2463
Total Members
engagement
Value:
114
Peer Median: 1,918
#2463 of 2508
Bottom 1.8% in <100M tier
2416
Net Interest Margin (NIM)
profitability
Value:
2.02%
Peer Median: 3.83%
#2416 of 2508
Bottom 3.7% in <100M tier
2407
Members Per Employee (MPE)
engagement
Value:
57.000
Peer Median: 333.750
#2407 of 2508
Bottom 4.1% in <100M tier
2403
Asset Growth Rate
growth
Value:
-10.37%
Peer Median: 1.30%
#2403 of 2508
Bottom 4.2% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2384
Deposit Growth Rate
growth
Value:
-11.76%
Peer Median: 0.66%
#2384 of 2508
Bottom 5.0% in <100M tier
2346
Member Growth Rate
growth
Value:
-9.52%
Peer Median: -1.37%
#2346 of 2508
Bottom 6.5% in <100M tier
2320
Total Assets
balance_sheet
Value:
$1.48M
Peer Median: $21.86M
#2320 of 2508
Bottom 7.5% in <100M tier
2300
Total Deposits
balance_sheet
Value:
$1.33M
Peer Median: $18.77M
#2300 of 2508
Bottom 8.3% in <100M tier
2210
Total Loans
balance_sheet
Value:
$1.07M
Peer Median: $9.48M
#2210 of 2508
Bottom 11.9% in <100M tier