BlastPoint's Credit Union Scorecard

TOWN AND COUNTRY

Charter #60790 · ND

Community 750M-1B

117 CUs in 750M-1B nationally 2 in ND

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TOWN AND COUNTRY has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 42.4% in tier
+ Organic Growth Engine: Top 43.6% in tier
+ Organic Growth Leader: Top 43.6% in tier
+ ROA 0.11% above tier average
+ Net Interest Margin 0.33% above tier average
+ Net Charge-Off Rate: Top 1.7% in tier
+ First Mortgage Concentration (%): Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 3.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.5% in tier
- Efficiency ratio 0.15% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 1.7% in tier
- Total Members: Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	26,494 +0.7% YoY+0.1% QoQ	-25.0K	51,500 +0.7% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	Bottom 4.3% in tier
Assets	$781.6M +6.6% YoY+3.0% QoQ	$-84.0M	$865.6M +0.9% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	15%
Loans	$638.7M +3.9% YoY-0.2% QoQ	+$43.5M	$595.3M +1.6% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	60%
Deposits	$679.6M +6.3% YoY+3.5% QoQ	$-62.6M	$742.2M +0.6% YoY	$173.7M +3.7% YoY	$494.3M +9.1% YoY	20%

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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% +43.0% YoY-23.3% QoQ	+0.1%	0.8% +45.0% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	61%
NIM	3.8% +8.1% YoY+0.4% QoQ	+0.3%	3.5% +6.1% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	75.7% -4.5% YoY-2.4% QoQ	+0.2%	75.5% -3.4% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	0.3% -72.6% YoY-34.6% QoQ	-0.4	0.7% -0.1% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	19%
Loan To Share	94.0% -2.2% YoY-3.5% QoQ	+13.4%	80.6% +0.7% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	Top 14.5% in tier
AMR	$49,759 +4.4% YoY+1.6% QoQ	+$21K	$28,908 +0.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	Top 6.0% in tier
CD Concentration	33.5% -2.5% YoY-5.5% QoQ	+9.3%	24.3%	22.5%	19.8%	81%
Indirect Auto %	0.0%	-13.8%	13.8%	1.1%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#151 of 257 • Top 42.4% 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): 4.38%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $7.5K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Organic Growth Engine

growth

#262 of 352 • Top 43.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.71%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.87%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#345 of 371 • Top 43.6% in tier

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

Why This Signature

Member Growth (YoY): 0.71%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#100 of 183 • Bottom 6.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.98%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.92%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.47%

#3 of 117 Top 1.7% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 8.87%

Peer Median: 32.60%

#4 of 117 Top 2.6% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $24,108

Peer Median: $11,598

#5 of 117 Top 3.4% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $49,759

Peer Median: $26,209

#7 of 117 Top 5.1% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 93.98%

Peer Median: 84.41%

#17 of 117 Top 13.7% in 750M-1B tier

Fee Income Per Member

profitability

Value: $285.95

Peer Median: $187.56

#18 of 117 Top 14.5% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: 0.56%

#23 of 117 Top 18.8% in 750M-1B tier

Net Worth Ratio

risk

Value: 12.64%

Peer Median: 10.69%

#27 of 117 Top 22.2% in 750M-1B tier

Top Weaknesses (5 metrics)

116

Members Per Employee (MPE)

engagement

Value: 172.039

Peer Median: 328.468

#116 of 117 Bottom 1.7% in 750M-1B tier

112

Total Members

engagement

Value: 26,494

Peer Median: 51,712

#112 of 117 Bottom 5.1% in 750M-1B tier

Total Assets

balance_sheet

Value: $781.63M

Peer Median: $858.87M

#99 of 117 Bottom 16.2% in 750M-1B tier

Total Deposits

balance_sheet

Value: $679.60M

Peer Median: $735.65M

#93 of 117 Bottom 21.4% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 33.53%

Peer Median: 26.77%

#91 of 117 Bottom 23.1% in 750M-1B tier