BlastPoint's Credit Union Scorecard
RAILWAY
Charter #60787 · ND
RAILWAY has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.11% above tier average
- + Net Charge-Off Rate: Top 5.8% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,588
+2.4% YoY+1.6% QoQ
|
-6.6K |
15,145
-2.5% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$207.3M
+9.2% YoY+4.0% QoQ
|
$-24.4M |
$231.7M
+0.8% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$147.4M
+8.3% YoY+3.1% QoQ
|
+$3.3M |
$144.1M
+0.2% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$180.7M
+9.6% YoY+4.8% QoQ
|
$-20.5M |
$201.1M
+0.4% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
0.8%
-24.2% YoY-2.8% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.3%
+8.0% YoY+3.6% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
77.2%
+15.3% YoY+3.6% QoQ
|
-0.8% |
78.0%
-1.7% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.2%
-67.3% YoY-58.6% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Top 14.5% in tier |
| Loan To Share |
81.6%
-1.2% YoY-1.6% QoQ
|
+11.2% |
70.4%
-0.4% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$38,203
+6.5% YoY+2.4% QoQ
|
+$13K |
$24,918
+2.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.2% in tier |
| CD Concentration |
45.0%
+3.1% YoY-0.1% QoQ
|
+20.7% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (5)
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 (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)