BlastPoint's Credit Union Scorecard

NORTHRIDGE COMMUNITY

Charter #61257 · MN

100M-500M

1024 CUs in 100M-500M nationally 31 in MN

NORTHRIDGE COMMUNITY has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.22% above tier average
+ Net Interest Margin 2.08% above tier average
+ Loan-to-Share Ratio: Top 6.2% in tier
+ Fee Income Per Member: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Delinquency rate 3.30% above tier average
- Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- Total Deposits: Bottom 6.6% 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 31 that size in Minnesota.
Shares and deposits -0.5% year over year ($94.3M in shares and deposits).
Membership: 8,014 members, +3.8% vs a year ago.
Delinquency rate 4.18%.
Return on assets 2.09%.
Efficiency ratio 67.10% vs a 76.73% peer average.
Loan-to-share ratio 94.64% 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 (MN)	National Avg	Tier Percentile
Members	8,014 +3.8% YoY+0.7% QoQ	-7.2K	15,168 -2.6% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	18%
Assets	$113.0M +2.1% YoY+3.1% QoQ	$-119.0M	$232.0M +0.7% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	Bottom 8.6% in tier
Loans	$89.3M +3.0% YoY+0.9% QoQ	$-57.0M	$146.3M +0.2% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	29%
Deposits	$94.3M -0.5% YoY+3.3% QoQ	$-106.4M	$200.7M +0.2% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	Bottom 6.5% 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	2.1% +19.8% YoY-18.0% QoQ	+1.2%	0.9% +12.5% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	Top 2.8% in tier
NIM	5.8% +6.2% YoY-1.3% QoQ	+2.1%	3.7% +4.5% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	Top 0.3% in tier
Efficiency Ratio	67.1% +2.3% YoY+9.4% QoQ	-9.6%	76.7% -0.8% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	20%
Delinquency Rate	4.2% +7.4% YoY+36.6% QoQ	+3.3	0.9% +6.6% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	Bottom 1.0% in tier
Loan To Share	94.6% +3.6% YoY-2.4% QoQ	+23.1%	71.5% -0.3% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	Top 6.2% in tier
AMR	$22,916 -2.5% YoY+1.5% QoQ	$-2K	$25,107 +3.2% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	49%
CD Concentration	23.9% +42.0% YoY+11.7% QoQ	-0.7%	24.6%	21.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.4%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#7 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.82%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 2.09%

(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

Emerging Performer

growth

#12 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: 2.09%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 3.82%

(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

Organic Growth Leader

growth

#100 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): 3.82%

(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

Concerns (5)

Credit Quality Pressure

risk

#266 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): 0.29% 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 | Rank worsening

Shrinking Wallet Share

decline

#108 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.54%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Liquidity Strain

risk

#131 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.64%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 3.05%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Credit Risk Growth

risk

#293 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): 3.05%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.29% 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 | Rank worsening

Deposit Outflow

decline

#84 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.52%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 3.82%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.77%

Peer Median: 3.67%

#3 of 1024 Top 0.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.09%

Peer Median: 0.75%

#29 of 1024 Top 2.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.64%

Peer Median: 73.07%

#64 of 1024 Top 6.2% in 100M-500M tier

Fee Income Per Member

profitability

Value: $262.02

Peer Median: $159.88

#96 of 1024 Top 9.3% in 100M-500M tier

139

Member Growth Rate

growth

Value: 3.82%

Peer Median: -0.03%

#139 of 1024 Top 13.5% in 100M-500M tier

140

Net Worth Ratio

risk

Value: 15.60%

Peer Median: 11.71%

#140 of 1024 Top 13.6% in 100M-500M tier

203

Efficiency Ratio

profitability

Value: 67.10%

Peer Median: 77.26%

#203 of 1024 Top 19.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1015

Total Delinquency Rate (60+ days)

risk

Value: 4.18%

Peer Median: 0.71%

#1015 of 1024 Bottom 1.0% in 100M-500M tier

957

Total Deposits

balance_sheet

Value: $94.35M

Peer Median: $170.77M

#957 of 1024 Bottom 6.6% in 100M-500M tier

953

First Mortgage Concentration (%)

balance_sheet

Value: 58.90%

Peer Median: 29.92%

#953 of 1024 Bottom 7.0% in 100M-500M tier

937

AMR Growth Rate

growth

Value: -2.54%

Peer Median: 3.53%

#937 of 1024 Bottom 8.6% in 100M-500M tier

936

Total Assets

balance_sheet

Value: $112.98M

Peer Median: $196.38M

#936 of 1024 Bottom 8.7% in 100M-500M tier

920

Members Per Employee (MPE)

engagement

Value: 222.611

Peer Median: 310.924

#920 of 1024 Bottom 10.3% in 100M-500M tier

910

Net Charge-Off Rate

risk

Value: 0.94%

Peer Median: 0.34%

#910 of 1024 Bottom 11.2% in 100M-500M tier

853

Deposit Growth Rate

growth

Value: -0.52%

Peer Median: 3.58%

#853 of 1024 Bottom 16.8% in 100M-500M tier

836

Total Members

engagement

Value: 8,014

Peer Median: 13,128

#836 of 1024 Bottom 18.5% in 100M-500M tier