BlastPoint's Credit Union Scorecard
UNIVERSITY
Charter #1904 · ND
UNIVERSITY demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,614
+2.1% YoY+1.8% QoQ
|
+988 |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$44.0M
-2.3% YoY-2.2% QoQ
|
+$14.1M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$26.6M
-2.9% YoY+0.2% QoQ
|
+$10.9M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$37.7M
-4.5% YoY-3.2% QoQ
|
+$12.3M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
0.9%
-4.9% YoY+53.2% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
3.8%
+17.9% YoY+8.0% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
71.9%
+3.0% YoY-3.2% QoQ
|
-9.5% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.6%
+90.0% YoY-25.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
70.6%
+1.7% YoY+3.5% QoQ
|
+9.4% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$17,802
-5.8% YoY-3.6% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
16.2%
-0.9% YoY-7.7% QoQ
|
-8.2% |
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)
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)