BlastPoint's Credit Union Scorecard
CCE
Charter #24944 · ND
CCE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.30% above tier average
- + Net Interest Margin 0.97% 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
Key Concerns
Areas that may need attention
- - Delinquency rate 0.27% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,314
-1.6% YoY+0.5% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$14.2M
-2.4% YoY-0.1% QoQ
|
$-15.7M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$6.2M
-8.4% YoY-2.4% QoQ
|
$-9.6M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$11.7M
-4.5% YoY-0.5% QoQ
|
$-13.8M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
2.0%
-36.6% YoY+10.4% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
Top 9.3% in tier |
| NIM |
4.9%
+4.8% YoY-0.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
60.0%
+35.9% YoY-5.9% QoQ
|
-21.4% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
1.8%
+99.4% YoY+30.7% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
53.0%
-4.1% YoY-1.9% QoQ
|
-8.2% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$13,628
-4.3% YoY-1.7% QoQ
|
$-999 |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
50% |
| 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)
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)