BlastPoint's Credit Union Scorecard
NORTHERN STS PWR COMPANY EMP
Charter #147 · ND
2596 CUs in <100M nationally
17 in ND
NORTHERN STS PWR COMPANY EMP has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.5% in tier
- + Loan Growth Rate: Top 6.9% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Total Members: Bottom 2.1% in tier
- - Net Interest Margin (NIM): Bottom 3.8% in tier
- - Members Per Employee (MPE): Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 4.4% in tier
- - Total Assets: Bottom 8.1% in tier
- - Total Deposits: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122
-2.4% YoY+0.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 2.0% in tier |
| Assets |
$1.6M
+2.7% YoY-4.1% QoQ
|
$-28.3M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.0% in tier |
| Loans |
$1.2M
+13.7% YoY+3.3% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.9% in tier |
| Deposits |
$1.4M
+2.3% YoY-4.8% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+76.3% YoY-5.4% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
2.0%
+42.1% YoY-3.6% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio |
41.6%
-21.4% YoY+2.6% QoQ
|
-39.8% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate | 0.2% | -1.3 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
86.1%
+11.1% YoY+8.5% QoQ
|
+24.9% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$21,715
+9.9% YoY-2.0% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 14.9% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
67
Efficiency Ratio
profitability
Value:
41.58%
Peer Avg: -
#67 of 2596
Top 2.5% in <100M tier
179
Loan Growth Rate
growth
Value:
13.67%
Peer Avg: -
#179 of 2596
Top 6.9% in <100M tier
206
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,048
Peer Avg: -
#206 of 2596
Top 7.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
251
AMR Growth Rate
growth
Value:
9.93%
Peer Avg: -
#251 of 2596
Top 9.6% in <100M tier
387
Average Member Relationship (AMR)
engagement
Value:
$21,715
Peer Avg: -
#387 of 2596
Top 14.9% in <100M tier
391
Loan-to-Share Ratio
balance_sheet
Value:
86.13%
Peer Avg: -
#391 of 2596
Top 15.0% in <100M tier
Top Weaknesses (8 metrics)
2543
Total Members
engagement
Value:
122
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2499
Net Interest Margin (NIM)
profitability
Value:
2.04%
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2488
Members Per Employee (MPE)
engagement
Value:
61.000
Peer Avg: -
#2488 of 2596
Bottom 4.2% in <100M tier
2483
Fee Income Per Member
profitability
Value:
$0.03
Peer Avg: -
#2483 of 2596
Bottom 4.4% in <100M tier
2388
Total Assets
balance_sheet
Value:
$1.58M
Peer Avg: -
#2388 of 2596
Bottom 8.1% in <100M tier
2362
Total Deposits
balance_sheet
Value:
$1.42M
Peer Avg: -
#2362 of 2596
Bottom 9.1% in <100M tier
2262
Total Loans
balance_sheet
Value:
$1.23M
Peer Avg: -
#2262 of 2596
Bottom 12.9% in <100M tier
2142
Net Worth Ratio
risk
Value:
10.10%
Peer Avg: -
#2142 of 2596
Bottom 17.5% in <100M tier