BlastPoint's Credit Union Scorecard
RAILWAY
Charter #60787 · ND
RAILWAY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 23.1% in tier
- + Organic Growth Leader: Top 28.4% in tier
- + Relationship Depth Leader: Top 93.0% in tier
- + Credit Quality Leader: Top 97.9% in tier
- + ROA 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
- + Average Member Relationship (AMR): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,419
+0.9% YoY+0.2% QoQ
|
-7.2K |
15,628
-3.4% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$194.0M
+3.4% YoY+1.3% QoQ
|
$-37.3M |
$231.3M
-0.0% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$138.9M
+2.5% YoY+0.6% QoQ
|
$-8.9M |
$147.8M
-1.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$168.0M
+2.7% YoY+1.1% QoQ
|
$-32.3M |
$200.3M
-0.0% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
0.9%
+25.9% YoY-0.1% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.2%
+19.3% YoY+1.5% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
73.9%
-3.0% YoY+0.1% QoQ
|
-3.4% |
77.3%
-3.0% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.4%
-53.5% YoY-8.3% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
82.7%
-0.3% YoY-0.5% QoQ
|
+10.0% |
72.7%
-1.5% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$36,453
+1.7% YoY+0.8% QoQ
|
+$12K |
$24,363
+2.9% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 7.7% in tier |
| CD Concentration |
44.3%
+0.3% YoY+0.2% QoQ
|
+19.8% |
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 (4)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)