BlastPoint's Credit Union Scorecard

NORTHRIDGE COMMUNITY

Charter #61257 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

NORTHRIDGE COMMUNITY has 8 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 1.82% above tier average
+ Net Interest Margin 2.21% above tier average
+ Loan-to-Share Ratio: Top 2.7% in tier
+ Fee Income Per Member: Top 7.3% in tier
+ Efficiency Ratio: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Delinquency rate 2.29% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	7,962 +4.4% YoY+4.7% QoQ	-7.2K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	18%
Assets	$109.6M -1.7% YoY-4.1% QoQ	$-122.1M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	Bottom 6.8% in tier
Loans	$88.5M +2.7% YoY+2.0% QoQ	$-55.6M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	29%
Deposits	$91.3M -5.1% YoY-5.7% QoQ	$-109.8M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	Bottom 4.9% 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	2.5% +41.1% YoY+62.1% QoQ	+1.8%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	Top 1.0% in tier
NIM	5.8% +11.1% YoY+22.2% QoQ	+2.2%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	Top 0.5% in tier
Efficiency Ratio	61.4% -3.2% YoY-2.1% QoQ	-16.7%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	Top 10.0% in tier
Delinquency Rate	3.1% +25.9% YoY-20.6% QoQ	+2.3	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	Bottom 2.1% in tier
Loan To Share	96.9% +8.2% YoY+8.2% QoQ	+26.5%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	Top 2.8% in tier
AMR	$22,585 -5.5% YoY-6.4% QoQ	$-2K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	48%
CD Concentration	21.4% +39.1% YoY+49.9% QoQ	-2.9%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#12 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 2.54%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

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

Emerging Performer

growth

#11 of 157 • 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: 2.54%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#101 of 371 • 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): 4.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

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

Concerns (6)

Credit Quality Pressure

risk

#82 of 727 • 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): 0.63% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Capital Constraint

risk

#4 of 16 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 96.93%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -5.09%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 15.66%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Shrinking Wallet Share

decline

#58 of 238 • 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): -5.51%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#185 of 476 • 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): 2.72%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.63% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Strain

risk

#72 of 183 • 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: 96.93%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.72%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Deposit Outflow

decline

#34 of 72 • 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): -5.09%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 4.35%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | 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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.84%

Peer Median: 3.62%

#5 of 1070 Top 0.4% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.54%

Peer Median: 0.69%

#11 of 1070 Top 0.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.93%

Peer Median: 71.88%

#30 of 1070 Top 2.7% in 100M-500M tier

Fee Income Per Member

profitability

Value: $276.66

Peer Median: $154.95

#79 of 1070 Top 7.3% in 100M-500M tier

108

Efficiency Ratio

profitability

Value: 61.36%

Peer Median: 78.68%

#108 of 1070 Top 10.0% in 100M-500M tier

130

Net Worth Ratio

risk

Value: 15.66%

Peer Median: 11.45%

#130 of 1070 Top 12.1% in 100M-500M tier

140

Member Growth Rate

growth

Value: 4.35%

Peer Median: -0.06%

#140 of 1070 Top 13.0% in 100M-500M tier

Top Weaknesses (10 metrics)

1049

Total Delinquency Rate (60+ days)

risk

Value: 3.06%

Peer Median: 0.61%

#1049 of 1070 Bottom 2.1% in 100M-500M tier

1032

Deposit Growth Rate

growth

Value: -5.09%

Peer Median: 3.30%

#1032 of 1070 Bottom 3.6% in 100M-500M tier

1018

Total Deposits

balance_sheet

Value: $91.31M

Peer Median: $171.29M

#1018 of 1070 Bottom 5.0% in 100M-500M tier

1017

AMR Growth Rate

growth

Value: -5.51%

Peer Median: 3.46%

#1017 of 1070 Bottom 5.0% in 100M-500M tier

1004

First Mortgage Concentration (%)

balance_sheet

Value: 58.98%

Peer Median: 29.47%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

997

Total Assets

balance_sheet

Value: $109.57M

Peer Median: $196.57M

#997 of 1070 Bottom 6.9% in 100M-500M tier

968

Asset Growth Rate

growth

Value: -1.67%

Peer Median: 3.91%

#968 of 1070 Bottom 9.6% in 100M-500M tier

927

Net Charge-Off Rate

risk

Value: 0.91%

Peer Median: 0.35%

#927 of 1070 Bottom 13.5% in 100M-500M tier

883

Total Members

engagement

Value: 7,962

Peer Median: 13,200

#883 of 1070 Bottom 17.6% in 100M-500M tier

866

Members Per Employee (MPE)

engagement

Value: 248.812

Peer Median: 309.176

#866 of 1070 Bottom 19.2% in 100M-500M tier