BlastPoint's Credit Union Scorecard
ASPIRE COMMUNITY
Charter #1888 · ND
ASPIRE COMMUNITY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.67% above tier average
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Total Delinquency Rate (60+ days): Top 2.7% in tier
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Efficiency Ratio: Top 7.5% in tier
- + Net Charge-Off Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - First Mortgage Concentration (%): Bottom 0.3% in tier
- - Total Members: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,301
-1.0% YoY-0.4% QoQ
|
-8.8K |
15,145
-2.5% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 7.8% in tier |
| Assets |
$180.9M
+4.3% YoY+0.7% QoQ
|
$-50.8M |
$231.7M
+0.8% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$148.1M
+1.4% YoY-0.7% QoQ
|
+$4.0M |
$144.1M
+0.2% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$154.8M
+3.7% YoY+0.4% QoQ
|
$-46.4M |
$201.1M
+0.4% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+25.5% YoY+24.0% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
Top 13.6% in tier |
| NIM |
2.9%
+13.8% YoY+9.5% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
59.1%
-8.8% YoY-8.4% QoQ
|
-19.0% |
78.0%
-1.7% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
0.0%
-85.6% YoY-84.7% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Top 2.7% in tier |
| Loan To Share |
95.7%
-2.2% YoY-1.1% QoQ
|
+25.3% |
70.4%
-0.4% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
Top 3.6% in tier |
| AMR |
$48,070
+3.7% YoY+0.3% QoQ
|
+$23K |
$24,918
+2.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 3.3% in tier |
| CD Concentration |
35.9%
+2.1% YoY-1.9% QoQ
|
+11.7% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)