BlastPoint's Credit Union Scorecard

CCE

Charter #24944 · ND

<100M
2508 CUs in <100M nationally 17 in ND

CCE demonstrates 3 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.06% above tier average
  • + Net Interest Margin 0.52% above tier average
  • + Efficiency Ratio: Top 5.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 1,322
-1.8% YoY+0.3% QoQ
-1.4K 2,676
+1.6% YoY
7,403
+0.4% YoY
33,913
+5.7% YoY
37%
Assets $14.1M
-2.7% YoY+2.3% QoQ
$-16.1M $30.2M
+1.3% YoY
$208.9M
+6.8% YoY
$578.3M
+9.0% YoY
40%
Loans $6.5M
-1.1% YoY+1.3% QoQ
$-8.8M $15.3M
-2.0% YoY
$139.0M
+4.5% YoY
$402.4M
+8.7% YoY
40%
Deposits $11.5M
-5.1% YoY+2.2% QoQ
$-14.3M $25.8M
+0.7% YoY
$173.7M
+3.7% YoY
$494.3M
+9.1% YoY
39%

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Tier 1
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ROA 2.2%
-8.0% YoY+28.3% QoQ
+2.1% 0.1%
-77.6% YoY
0.9%
+42.2% YoY
0.4%
-39.2% YoY
Top 4.6% in tier
NIM 4.5%
-7.4% YoY-8.5% QoQ
+0.5% 4.0%
+4.0% YoY
3.4%
+5.6% YoY
3.8%
+4.1% YoY
78%
Efficiency Ratio 51.2%
-2.2% YoY-21.5% QoQ
-39.5% 90.6%
+6.5% YoY
74.3%
-6.4% YoY
84.6%
+2.8% YoY
Top 5.4% in tier
Delinquency Rate 1.2%
-68.3% YoY+6.7% QoQ
-0.3 1.5%
+3.8% YoY
0.8%
-32.8% YoY
1.2%
+3.4% YoY
69%
Loan To Share 56.1%
+4.2% YoY-0.8% QoQ
-2.4% 58.5%
-3.0% YoY
68.7%
-2.0% YoY
65.6%
-1.4% YoY
47%
AMR $13,603
-2.0% YoY+1.6% QoQ
$-1K $14,884
-1.7% YoY
$32,943
+1.9% YoY
$19,920
+1.6% YoY
48%
CD Concentration 0.0% -24.3% 24.3% 22.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 1.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
116
Return on Assets (ROA)
profitability
Value: 2.20%
Peer Median: 0.61%
#116 of 2508 Top 4.6% in <100M tier
136
Efficiency Ratio
profitability
Value: 51.16%
Peer Median: 81.45%
#136 of 2508 Top 5.4% in <100M tier
553
Members Per Employee (MPE)
engagement
Value: 440.667
Peer Median: 333.750
#553 of 2508 Top 22.0% in <100M tier
564
Net Interest Margin (NIM)
profitability
Value: 4.53%
Peer Median: 3.83%
#564 of 2508 Top 22.4% in <100M tier

Top Weaknesses (2 metrics)

2075
Deposit Growth Rate
growth
Value: -5.15%
Peer Median: 0.66%
#2075 of 2508 Bottom 17.3% in <100M tier
1912
Asset Growth Rate
growth
Value: -2.74%
Peer Median: 1.30%
#1912 of 2508 Bottom 23.8% in <100M tier
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