BlastPoint's Credit Union Scorecard
TOWN AND COUNTRY
Charter #60790 · ND
TOWN AND COUNTRY has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does ND stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 35.6% in tier
- + Wallet Share Momentum: Top 35.6% in tier
- + Organic Growth Engine: Top 42.1% in tier
- + Organic Growth Leader: Top 42.1% in tier
- + ROA 0.08% above tier average
- + Net Interest Margin 0.38% above tier average
- + First Mortgage Concentration (%): Top 2.7% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.7% in tier
- - Credit Quality Pressure: Bottom 5.9% in tier
- - Credit Risk Growth: Bottom 30.3% in tier
- - Delinquency rate 0.83% above tier average
- - Members Per Employee (MPE): Bottom 0.9% in tier
- - Total Members: Bottom 4.5% in tier
- - Total Assets: Bottom 9.9% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in North Dakota.
- Shares and deposits +5.3% year over year ($665M in shares and deposits).
- Membership: 26,599 members, +0.8% vs a year ago.
- Delinquency rate 1.63%.
- Return on assets 0.92%.
- Efficiency ratio 71.47% vs a 74.54% peer average.
- Loan-to-share ratio 101.97% vs a 82.60% 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 |
26,599
+0.8% YoY+0.4% QoQ
|
-25.9K |
52,482
+1.3% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 3.6% in tier |
| Assets |
$771.1M
+5.6% YoY-1.3% QoQ
|
$-92.8M |
$863.9M
+0.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.0% in tier |
| Loans |
$678.4M
+7.0% YoY+6.2% QoQ
|
+$70.6M |
$607.8M
+2.1% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$665.3M
+5.3% YoY-2.1% QoQ
|
$-74.6M |
$739.9M
+0.2% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.9%
+6.1% YoY+5.7% QoQ
|
+0.1% |
0.8%
+30.4% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
3.9%
+5.9% YoY+2.8% QoQ
|
+0.4% |
3.5%
+6.2% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
71.5%
-8.4% YoY-5.6% QoQ
|
-3.1% |
74.5%
-1.4% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
1.6%
+81.9% YoY+522.7% QoQ
|
+0.8 |
0.8%
+1.0% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.8% in tier |
| Loan To Share |
102.0%
+1.6% YoY+8.5% QoQ
|
+19.4% |
82.6%
+1.9% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Top 7.2% in tier |
| AMR |
$50,515
+5.3% YoY+1.5% QoQ
|
+$22K |
$28,702
+0.4% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 5.4% in tier |
| CD Concentration |
34.4%
-5.5% YoY+2.7% QoQ
|
+9.9% | 24.6% | 22.7% | 20.0% | 82% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
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.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)