BlastPoint's Credit Union Scorecard

FARGO PUBLIC SCHOOLS

Charter #47 · ND

<100M

2508 CUs in <100M nationally 17 in ND

FARGO PUBLIC SCHOOLS has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.50% above tier average
+ Average Member Relationship (AMR): Top 4.0% in tier
+ Fee Income Per Member: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 7.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	2,349 -0.4% YoY+0.0% QoQ	-327	2,676 +1.6% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	58%
Assets	$57.6M +0.7% YoY+0.4% QoQ	+$27.5M	$30.2M +1.3% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	82%
Loans	$21.1M -8.4% YoY-5.1% QoQ	+$5.8M	$15.3M -2.0% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	72%
Deposits	$50.4M +0.2% YoY+0.5% QoQ	+$24.6M	$25.8M +0.7% YoY	$173.7M +3.7% YoY	$494.3M +9.1% YoY	82%

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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	0.7% +118.2% YoY+47.4% QoQ	+0.5%	0.1% -77.6% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	52%
NIM	2.5% +9.5% YoY+2.4% QoQ	-1.5%	4.0% +4.0% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	Bottom 7.5% in tier
Efficiency Ratio	80.3% -8.2% YoY-4.7% QoQ	-10.3%	90.6% +6.5% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	Top 14.9% in tier
Loan To Share	41.9% -8.6% YoY-5.6% QoQ	-16.6%	58.5% -3.0% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	24%
AMR	$30,441 -2.1% YoY-1.3% QoQ	+$16K	$14,884 -1.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	Top 4.1% in tier
CD Concentration	31.4% +24.7% YoY+1.4% QoQ	+7.1%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

102

Average Member Relationship (AMR)

engagement

Value: $30,441

Peer Median: $13,926

#102 of 2508 Top 4.0% in <100M tier

118

Fee Income Per Member

profitability

Value: $203.21

Peer Median: $60.42

#118 of 2508 Top 4.7% in <100M tier

292

Loan-to-Member Ratio (LMR)

engagement

Value: $8,990

Peer Median: $4,923

#292 of 2508 Top 11.6% in <100M tier

374

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: 0.65%

#374 of 2508 Top 14.9% in <100M tier

441

Total Deposits

balance_sheet

Value: $50.39M

Peer Median: $18.77M

#441 of 2508 Top 17.5% in <100M tier

463

Total Assets

balance_sheet

Value: $57.65M

Peer Median: $21.86M

#463 of 2508 Top 18.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (3 metrics)

2319

Net Interest Margin (NIM)

profitability

Value: 2.48%

Peer Median: 3.83%

#2319 of 2508 Bottom 7.6% in <100M tier

2118

Share Certificate Concentration (%)

balance_sheet

Value: 31.42%

Peer Median: 12.45%

#2118 of 2508 Bottom 15.6% in <100M tier

1904

Loan-to-Share Ratio

balance_sheet

Value: 41.91%

Peer Median: 58.72%

#1904 of 2508 Bottom 24.1% in <100M tier