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BlastPoint's Credit Union Scorecard

RAILWAY

Charter #60787 · ND

100M-500M
1024 CUs in 100M-500M nationally 8 in ND

RAILWAY has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?
ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + Relationship Depth Leader: Top 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + Wallet Share Momentum: Top 50.0% in tier
  • + Net Charge-Off Rate: Top 3.7% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.0% in tier
  • + Deposit Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Share Certificate Concentration (%): Bottom 3.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in North Dakota.
  • Shares and deposits +11.0% year over year ($184M in shares and deposits).
  • Membership: 8,737 members, +3.9% vs a year ago.
  • Delinquency rate 0.50%.
  • Return on assets 0.89%.
  • Efficiency ratio 76.51% vs a 76.73% peer average.
  • Loan-to-share ratio 83.76% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 8,737
+3.9% YoY+1.7% QoQ
 -6.4K 15,168
-2.6% YoY
 7,460
+0.8% YoY
 34,678
+6.6% YoY
 23%
Assets $211.6M
+10.6% YoY+2.1% QoQ
 $-20.4M $232.0M
+0.7% YoY
 $208.5M
+5.1% YoY
 $593.1M
+10.2% YoY
 54%
Loans $154.4M
+11.9% YoY+4.7% QoQ
 +$8.2M $146.3M
+0.2% YoY
 $145.2M
+6.5% YoY
 $418.6M
+10.1% YoY
 63%
Deposits $184.4M
+11.0% YoY+2.0% QoQ
 $-16.3M $200.7M
+0.2% YoY
 $172.0M
+4.3% YoY
 $504.8M
+10.3% YoY
 54%

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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 0.9%
-1.1% YoY+7.1% QoQ
 +0.0% 0.9%
+12.5% YoY
 1.0%
+21.3% YoY
 1.2%
+121.4% YoY
 58%
NIM 3.4%
+7.7% YoY+2.2% QoQ
 -0.3% 3.7%
+4.5% YoY
 3.5%
+5.1% YoY
 3.8%
+2.3% YoY
 30%
Efficiency Ratio 76.5%
+3.6% YoY-0.9% QoQ
 -0.2% 76.7%
-0.8% YoY
 72.1%
-4.3% YoY
 83.0%
-5.3% YoY
 47%
Delinquency Rate 0.5%
+19.4% YoY+131.0% QoQ
 -0.4 0.9%
+6.6% YoY
 1.2%
+16.1% YoY
 1.3%
+2.6% YoY
 36%
Loan To Share 83.8%
+0.8% YoY+2.6% QoQ
 +12.2% 71.5%
-0.3% YoY
 70.1%
-2.4% YoY
 66.4%
-1.4% YoY
 73%
AMR $38,776
+7.2% YoY+1.5% QoQ
 +$14K $25,107
+3.2% YoY
 $32,936
+2.3% YoY
 $20,028
-0.9% YoY
 Top 7.0% in tier
CD Concentration 46.4%
+5.1% YoY+3.2% QoQ
 +21.8% 24.6% 22.7% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 1.2% 7.7% 50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#60 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.94%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Return on Assets: 0.89%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally
↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth
#97 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.94%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally
↓ Shrinking -91 CUs YoY | Rank improving

Relationship Depth Leader

growth
#79 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 7.17%
(Tier: 3.97%, National: 35.20%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.9K, National: $2.1K)
but worse than tier avg
262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally
↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth
#79 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.89%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Member Growth (YoY): 3.94%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Wallet Share Momentum

growth
#277 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.17%
(Tier: 3.97%, National: 35.20%)
better than tier avg
483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally
↑ Growing +52 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk
#189 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.87%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.08% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk
#524 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
39
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.34%
#39 of 1024 Top 3.7% in 100M-500M tier
62
Loan-to-Member Ratio (LMR)
engagement
Value: $17,675
Peer Median: $9,434
#62 of 1024 Top 6.0% in 100M-500M tier
65
Deposit Growth Rate
growth
Value: 10.99%
Peer Median: 3.58%
#65 of 1024 Top 6.2% in 100M-500M tier
72
Average Member Relationship (AMR)
engagement
Value: $38,776
Peer Median: $23,006
#72 of 1024 Top 6.9% in 100M-500M tier
79
Asset Growth Rate
growth
Value: 10.55%
Peer Median: 4.12%
#79 of 1024 Top 7.6% in 100M-500M tier
125
Loan Growth Rate
growth
Value: 11.87%
Peer Median: 3.02%
#125 of 1024 Top 12.1% in 100M-500M tier
132
Member Growth Rate
growth
Value: 3.94%
Peer Median: -0.03%
#132 of 1024 Top 12.8% in 100M-500M tier
213
AMR Growth Rate
growth
Value: 7.17%
Peer Median: 3.53%
#213 of 1024 Top 20.7% in 100M-500M tier

Top Weaknesses (2 metrics)

993
Share Certificate Concentration (%)
balance_sheet
Value: 46.40%
Peer Median: 23.39%
#993 of 1024 Bottom 3.1% in 100M-500M tier
790
Total Members
engagement
Value: 8,737
Peer Median: 13,128
#790 of 1024 Bottom 22.9% in 100M-500M tier
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