BlastPoint's Credit Union Scorecard
NORTHERN STS PWR COMPANY EMP
Charter #147 · ND
2556 CUs in <100M nationally
17 in ND
NORTHERN STS PWR COMPANY EMP has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Delinquency rate 0.60% above tier average
- - Member decline: -3.2% YoY
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Total Members: Bottom 2.0% in tier
- - Fee Income Per Member: Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 4.2% in tier
- - Total Assets: Bottom 7.7% in tier
- - Total Deposits: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121
-3.2% YoY-0.8% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$1.5M
-3.1% YoY-3.2% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.6% in tier |
| Loans |
$1.1M
-4.5% YoY-6.9% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.1% in tier |
| Deposits |
$1.4M
-3.8% YoY-2.9% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.7% in tier |
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| ROA |
0.4%
+102.4% YoY-70.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
1.2%
+22.9% YoY-39.6% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
71.3%
-13.7% YoY+71.4% QoQ
|
-11.3% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
2.2%
+1014.1% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
82.5%
-0.8% YoY-4.2% QoQ
|
+21.9% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$20,856
-1.0% YoY-4.0% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
261
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,431
Peer Median: -
#261 of 2556
Top 10.2% in <100M tier
464
Loan-to-Share Ratio
balance_sheet
Value:
82.55%
Peer Median: -
#464 of 2556
Top 18.1% in <100M tier
464
Average Member Relationship (AMR)
engagement
Value:
$20,856
Peer Median: -
#464 of 2556
Top 18.1% in <100M tier
Top Weaknesses (11 metrics)
2521
Net Interest Margin (NIM)
profitability
Value:
1.23%
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2506
Total Members
engagement
Value:
121
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2466
Fee Income Per Member
profitability
Value:
$0.02
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2449
Members Per Employee (MPE)
engagement
Value:
60.500
Peer Median: -
#2449 of 2556
Bottom 4.2% in <100M tier
2361
Total Assets
balance_sheet
Value:
$1.53M
Peer Median: -
#2361 of 2556
Bottom 7.7% in <100M tier
2334
Total Deposits
balance_sheet
Value:
$1.38M
Peer Median: -
#2334 of 2556
Bottom 8.7% in <100M tier
2246
Total Loans
balance_sheet
Value:
$1.14M
Peer Median: -
#2246 of 2556
Bottom 12.2% in <100M tier
2162
Net Worth Ratio
risk
Value:
9.85%
Peer Median: -
#2162 of 2556
Bottom 15.5% in <100M tier
2044
Total Delinquency Rate (60+ days)
risk
Value:
2.16%
Peer Median: -
#2044 of 2556
Bottom 20.1% in <100M tier
2021
Asset Growth Rate
growth
Value:
-3.13%
Peer Median: -
#2021 of 2556
Bottom 21.0% in <100M tier