BlastPoint's Credit Union Scorecard

TOWN AND COUNTRY

Charter #60790 · ND

Community 500M-750M

169 CUs in 500M-750M nationally 1 in ND

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TOWN AND COUNTRY has 14 strengths but faces 7 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 28.9% in tier
+ Wallet Share Momentum: Top 60.4% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.34% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Loans: Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 1.2% in tier
+ Average Member Relationship (AMR): Top 1.8% in tier
+ First Mortgage Concentration (%): Top 2.4% in tier
+ Total Assets: Top 5.3% in tier
+ Fee Income Per Member: Top 5.9% in tier
+ Total Deposits: Top 6.5% in tier
+ Loan-to-Share Ratio: Top 7.1% in tier
+ Net Charge-Off Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 2.3% in tier
- Liquidity Strain: Bottom 10.1% in tier
- Membership Headwinds: Bottom 15.0% in tier
- Credit Quality Pressure: Bottom 16.9% in tier
- Credit Risk Growth: Bottom 22.0% in tier
- Member decline: -2.8% YoY
- Members Per Employee (MPE): Bottom 0.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	26,457 -2.8% YoY+0.3% QoQ	-13.3K	39,752 -2.7% YoY	7,412 -0.5% YoY	33,089 +6.1% YoY	Bottom 10.1% in tier
Assets	$736.6M +4.5% YoY+0.9% QoQ	+$114.2M	$622.4M +0.3% YoY	$201.0M +5.9% YoY	$547.7M +7.8% YoY	Top 5.9% in tier
Loans	$639.5M +3.5% YoY+0.9% QoQ	+$203.6M	$435.9M -0.4% YoY	$137.9M +2.5% YoY	$388.7M +8.6% YoY	Top 0.6% in tier
Deposits	$637.8M +4.3% YoY+1.0% QoQ	+$99.8M	$538.0M +1.3% YoY	$165.9M +4.4% YoY	$464.6M +9.3% YoY	Top 7.1% in tier

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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	1.0% +71.1% YoY+11.4% QoQ	+0.3%	0.7% +33.9% YoY	0.9% -6.7% YoY	0.7% +273.4% YoY	75%
NIM	3.8% +10.5% YoY+2.8% QoQ	+0.3%	3.4% +8.6% YoY	3.4% +7.4% YoY	3.7% +5.0% YoY	77%
Efficiency Ratio	77.4% -10.6% YoY-0.8% QoQ	-0.7%	78.1% -3.4% YoY	74.0% -24.8% YoY	79.1% -3.3% YoY	44%
Delinquency Rate	0.5% +42.7% YoY-44.9% QoQ	-0.3	0.8% -4.9% YoY	0.9% -3.9% YoY	1.2% -0.9% YoY	37%
Loan To Share	100.3% -0.8% YoY-0.1% QoQ	+19.2%	81.0% -1.8% YoY	72.0% -4.4% YoY	68.0% -1.7% YoY	Top 7.7% in tier
AMR	$48,279 +6.8% YoY+0.6% QoQ	+$22K	$26,482 +2.6% YoY	$32,427 +3.2% YoY	$19,418 +1.3% YoY	Top 2.4% in tier
CD Concentration	36.8% +5.5% YoY+1.1% QoQ	+12.4%	24.4% +4.2% YoY	22.4% +2.4% YoY	19.6% +6.2% YoY	Top 11.9% in tier
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	1.1% -2.9% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#75 of 257 • Top 28.9% 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): 6.82%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $6.4K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#291 of 481 • Top 60.4% in tier

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

Why This Signature

AMR Growth (YoY): 6.82%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#39 of 550 • Bottom 2.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.77%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.47%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.49%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk

#79 of 258 • Bottom 10.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 100.27%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.47%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Membership Headwinds

decline

#248 of 550 • Bottom 15.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.77%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#419 of 736 • Bottom 16.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#331 of 446 • Bottom 22.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.47%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Total Loans

balance_sheet

Value: $639.51M

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $24,172

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $48,279

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 8.63%

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Total Assets

balance_sheet

Value: $736.60M

Peer Avg: -

#10 of 169 Top 5.3% in 500M-750M tier

Fee Income Per Member

profitability

Value: $325.80

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Total Deposits

balance_sheet

Value: $637.80M

Peer Avg: -

#12 of 169 Top 6.5% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.27%

Peer Avg: -

#13 of 169 Top 7.1% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.08%

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Top Weaknesses (4 metrics)

169

Members Per Employee (MPE)

engagement

Value: 174.059

Peer Avg: -

#169 of 169 Bottom 0.6% in 500M-750M tier

152

Total Members

engagement

Value: 26,457

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

149

Share Certificate Concentration (%)

balance_sheet

Value: 36.84%

Peer Avg: -

#149 of 169 Bottom 12.4% in 500M-750M tier

147

Member Growth Rate

growth

Value: -2.77%

Peer Avg: -

#147 of 169 Bottom 13.6% in 500M-750M tier