BlastPoint's Credit Union Scorecard
RAILWAY
Charter #60787 · ND
RAILWAY has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 57.3% in tier
- + Organic Growth Engine: Top 73.7% in tier
- + Organic Growth Leader: Top 92.0% in tier
- + ROA 0.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Average Member Relationship (AMR): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,449
+0.7% YoY+0.4% QoQ
|
-7.0K |
15,437
-2.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$199.4M
+5.8% YoY+2.8% QoQ
|
$-32.5M |
$231.9M
+1.3% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$142.9M
+5.4% YoY+2.9% QoQ
|
$-4.4M |
$147.3M
-0.1% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$172.4M
+5.2% YoY+2.6% QoQ
|
$-28.4M |
$200.8M
+0.8% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
0.9%
+20.3% YoY-4.9% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.2%
+17.6% YoY+0.1% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
74.5%
-2.7% YoY+0.8% QoQ
|
-2.5% |
77.0%
-3.1% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.5%
-54.6% YoY+36.0% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
82.9%
+0.2% YoY+0.3% QoQ
|
+10.7% |
72.2%
-1.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$37,319
+4.5% YoY+2.4% QoQ
|
+$13K |
$24,676
+3.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 7.2% in tier |
| CD Concentration |
45.0%
+3.9% YoY+1.7% QoQ
|
+20.6% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)