BlastPoint's Credit Union Scorecard
UNIVERSITY
Charter #1904 · ND
UNIVERSITY demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
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 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +0.9% year over year ($39.3M in shares and deposits).
- Membership: 3,628 members, +2.2% vs a year ago.
- Delinquency rate 0.72%.
- Return on assets 2.16%.
- Efficiency ratio 63.58% vs a 88.77% peer average.
- Loan-to-share ratio 66.03% vs a 58.89% 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 |
3,628
+2.2% YoY+0.1% QoQ
|
+1.0K |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$46.1M
+2.6% YoY+2.0% QoQ
|
+$15.8M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$26.0M
-2.3% YoY+0.6% QoQ
|
+$10.5M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$39.3M
+0.9% YoY+1.8% QoQ
|
+$13.5M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
2.2%
+260.0% YoY+37.4% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
Top 7.8% in tier |
| NIM |
4.2%
+21.0% YoY+1.0% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
63.6%
-14.4% YoY-3.7% QoQ
|
-25.2% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.7%
-6.9% YoY+22.9% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
66.0%
-3.2% YoY-1.2% QoQ
|
+7.1% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$17,996
-2.5% YoY+1.2% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
17.4%
-0.6% YoY+7.2% QoQ
|
-7.1% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)