BlastPoint's Credit Union Scorecard
NORTHRIDGE COMMUNITY
Charter #61257 · MN
100M-500M
1069 CUs in 100M-500M nationally
31 in MN
NORTHRIDGE COMMUNITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.81% above tier average
- + Net Interest Margin 1.17% above tier average
- + Fee Income Per Member: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.96% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - First Mortgage Concentration (%): Bottom 7.5% in tier
- - Total Deposits: Bottom 8.1% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,608
0% YoY-1.3% QoQ
|
-7.8K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 14.1% in tier |
| Assets |
$114.3M
0% YoY+3.9% QoQ
|
$-117.6M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.5% in tier |
| Loans |
$86.8M
0% YoY-1.4% QoQ
|
$-60.6M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$96.9M
0% YoY+3.8% QoQ
|
$-103.9M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.0% in tier |
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| ROA |
1.6%
-0.6% YoY-3.2% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Top 9.4% in tier |
| NIM |
4.8%
-0.6% YoY-13.9% QoQ
|
+1.2% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
62.7%
0% YoY-4.0% QoQ
|
-14.3% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
3.9%
0% YoY+14.9% QoQ
|
+3.0 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
89.6%
0% YoY-5.0% QoQ
|
+17.4% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$24,137
0% YoY+2.6% QoQ
|
$-539 |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
14.3%
0% YoY-20.8% QoQ
|
-10.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.1% in 100M-500M tier
33
Fee Income Per Member
profitability
Value:
$336.62
Peer Median: -
#33 of 1069
Top 3.0% in 100M-500M tier
49
Net Interest Margin (NIM)
profitability
Value:
4.78%
Peer Median: -
#49 of 1069
Top 4.5% in 100M-500M tier
101
Return on Assets (ROA)
profitability
Value:
1.57%
Peer Median: -
#101 of 1069
Top 9.4% in 100M-500M tier
113
Efficiency Ratio
profitability
Value:
62.67%
Peer Median: -
#113 of 1069
Top 10.5% in 100M-500M tier
163
Loan-to-Share Ratio
balance_sheet
Value:
89.59%
Peer Median: -
#163 of 1069
Top 15.2% in 100M-500M tier
216
Share Certificate Concentration (%)
balance_sheet
Value:
14.27%
Peer Median: -
#216 of 1069
Top 20.1% in 100M-500M tier
Top Weaknesses (10 metrics)
1057
Total Delinquency Rate (60+ days)
risk
Value:
3.85%
Peer Median: -
#1057 of 1069
Bottom 1.2% in 100M-500M tier
990
First Mortgage Concentration (%)
balance_sheet
Value:
57.33%
Peer Median: -
#990 of 1069
Bottom 7.5% in 100M-500M tier
983
Total Deposits
balance_sheet
Value:
$96.86M
Peer Median: -
#983 of 1069
Bottom 8.1% in 100M-500M tier
967
Total Assets
balance_sheet
Value:
$114.31M
Peer Median: -
#967 of 1069
Bottom 9.6% in 100M-500M tier
951
Net Charge-Off Rate
risk
Value:
0.98%
Peer Median: -
#951 of 1069
Bottom 11.1% in 100M-500M tier
918
Total Members
engagement
Value:
7,608
Peer Median: -
#918 of 1069
Bottom 14.2% in 100M-500M tier
908
Asset Growth Rate
growth
Value:
0.00%
Peer Median: -
#908 of 1069
Bottom 15.2% in 100M-500M tier
884
Deposit Growth Rate
growth
Value:
0.00%
Peer Median: -
#884 of 1069
Bottom 17.4% in 100M-500M tier
867
AMR Growth Rate
growth
Value:
0.00%
Peer Median: -
#867 of 1069
Bottom 19.0% in 100M-500M tier
816
Members Per Employee (MPE)
engagement
Value:
262.345
Peer Median: -
#816 of 1069
Bottom 23.8% in 100M-500M tier