BlastPoint's Credit Union Scorecard
TOWN AND COUNTRY
Charter #60790 · ND
TOWN AND COUNTRY has 10 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
- + Organic Growth Engine: Top 54.0% in tier
- + Relationship Depth Leader: Top 71.5% in tier
- + Organic Growth Leader: Top 91.5% in tier
- + ROA 0.39% above tier average
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.9% in tier
- + First Mortgage Concentration (%): Top 3.4% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 48.0% in tier
- - Credit Quality Pressure: Bottom 96.0% in tier
- - Credit Risk Growth: Bottom 96.9% in tier
- - Efficiency ratio 3.21% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.9% in tier
- - Total Members: Bottom 5.1% in tier
- - Total Assets: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,461
+0.8% YoY+0.0% QoQ
|
-25.6K |
52,084
-1.6% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.3% in tier |
| Assets |
$759.0M
+5.9% YoY+3.0% QoQ
|
$-104.9M |
$863.9M
+0.5% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.0% in tier |
| Loans |
$639.8M
+2.8% YoY+0.0% QoQ
|
+$34.0M |
$605.8M
+1.4% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$656.8M
+5.7% YoY+3.0% QoQ
|
$-80.5M |
$737.3M
+0.1% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.0% in tier |
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| ROA |
1.1%
+66.1% YoY+17.5% QoQ
|
+0.4% |
0.7%
+39.1% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.8%
+10.2% YoY-0.2% QoQ
|
+0.4% |
3.4%
+8.7% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
77.6%
-9.9% YoY+0.2% QoQ
|
+3.2% |
74.3%
-3.6% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.4%
+3.7% YoY-18.9% QoQ
|
-0.5 |
0.9%
+3.8% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
97.4%
-2.8% YoY-2.8% QoQ
|
+14.9% |
82.6%
+1.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 13.7% in tier |
| AMR |
$48,999
+3.5% YoY+1.5% QoQ
|
+$20K |
$28,873
+2.7% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 6.0% in tier |
| CD Concentration |
35.5%
-1.0% YoY-3.7% QoQ
|
+11.1% | 24.4% | 22.6% | 19.8% | Top 13.6% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
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)