BlastPoint's Credit Union Scorecard

ASPIRE COMMUNITY

Charter #1888 · ND

100M-500M

1024 CUs in 100M-500M nationally 8 in ND

ASPIRE COMMUNITY has 7 strengths but faces 7 concerns

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.71% above tier average
+ Loan-to-Member Ratio (LMR): Top 2.1% in tier
+ Average Member Relationship (AMR): Top 2.9% in tier
+ Loan-to-Share Ratio: Top 3.9% in tier
+ Net Charge-Off Rate: Top 5.4% in tier
+ Efficiency Ratio: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 0.5% in tier
- Total Members: Bottom 8.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in North Dakota.
Shares and deposits +4.0% year over year ($155M in shares and deposits).
Membership: 6,298 members, -0.9% vs a year ago.
Delinquency rate 0.41%.
Return on assets 1.58%.
Efficiency ratio 57.51% vs a 76.73% peer average.
Loan-to-share ratio 97.50% vs a 71.54% 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	6,298 -0.9% YoY-0.0% QoQ	-8.9K	15,168 -2.6% YoY	7,460 +0.8% YoY	34,678 +6.6% YoY	Bottom 7.9% in tier
Assets	$181.6M +4.5% YoY+0.4% QoQ	$-50.4M	$232.0M +0.7% YoY	$208.5M +5.1% YoY	$593.1M +10.2% YoY	44%
Loans	$151.0M +3.6% YoY+1.9% QoQ	+$4.7M	$146.3M +0.2% YoY	$145.2M +6.5% YoY	$418.6M +10.1% YoY	62%
Deposits	$154.9M +4.0% YoY+0.1% QoQ	$-45.8M	$200.7M +0.2% YoY	$172.0M +4.3% YoY	$504.8M +10.3% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +41.7% YoY+12.7% QoQ	+0.7%	0.9% +12.5% YoY	1.0% +21.3% YoY	1.2% +121.4% YoY	Top 11.0% in tier
NIM	3.0% +15.4% YoY+3.0% QoQ	-0.7%	3.7% +4.5% YoY	3.5% +5.1% YoY	3.8% +2.3% YoY	Bottom 14.2% in tier
Efficiency Ratio	57.5% -12.8% YoY-2.6% QoQ	-19.2%	76.7% -0.8% YoY	72.1% -4.3% YoY	83.0% -5.3% YoY	Top 6.3% in tier
Delinquency Rate	0.4% +364.1% YoY	-0.5	0.9% +6.6% YoY	1.2% +16.1% YoY	1.3% +2.6% YoY	28%
Loan To Share	97.5% -0.4% YoY+1.9% QoQ	+26.0%	71.5% -0.3% YoY	70.1% -2.4% YoY	66.4% -1.4% YoY	Top 4.0% in tier
AMR	$48,568 +4.7% YoY+1.0% QoQ	+$23K	$25,107 +3.2% YoY	$32,936 +2.3% YoY	$20,028 -0.9% YoY	Top 3.0% in tier
CD Concentration	35.1% -5.4% YoY-2.4% QoQ	+10.5%	24.6%	22.7%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	1.2%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#147 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.75%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Concerns (5)

Credit Quality Pressure

risk

#229 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Strain

risk

#99 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.50%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 3.59%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY

Credit Risk Growth

risk

#243 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.59%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Membership Headwinds

decline

#475 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#504 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.90%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 3.59%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $23,976

Peer Median: $9,434

#22 of 1024 Top 2.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,568

Peer Median: $23,006

#31 of 1024 Top 2.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.50%

Peer Median: 73.07%

#41 of 1024 Top 3.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.34%

#56 of 1024 Top 5.4% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.51%

Peer Median: 77.26%

#66 of 1024 Top 6.3% in 100M-500M tier

113

Return on Assets (ROA)

profitability

Value: 1.58%

Peer Median: 0.75%

#113 of 1024 Top 10.9% in 100M-500M tier

141

Net Worth Ratio

risk

Value: 15.59%

Peer Median: 11.71%

#141 of 1024 Top 13.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1020

First Mortgage Concentration (%)

balance_sheet

Value: 81.63%

Peer Median: 29.92%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

943

Total Members

engagement

Value: 6,298

Peer Median: 13,128

#943 of 1024 Bottom 8.0% in 100M-500M tier

879

Net Interest Margin (NIM)

profitability

Value: 3.02%

Peer Median: 3.67%

#879 of 1024 Bottom 14.3% in 100M-500M tier

863

Share Certificate Concentration (%)

balance_sheet

Value: 35.05%

Peer Median: 23.39%

#863 of 1024 Bottom 15.8% in 100M-500M tier