BlastPoint's Credit Union Scorecard
COMMUNITY
Charter #61336 · ND
COMMUNITY has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 82.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 3.0% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
- + Net Worth Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 31.3% in tier
- - Membership Headwinds: Bottom 43.4% in tier
- - Stagnation Risk: Bottom 61.1% in tier
- - Institutional Decline: Bottom 79.9% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 1.34% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Fee Income Per Member: Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Total Loans: Bottom 1.2% in tier
- - Total Members: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,092
-3.2% YoY-1.3% QoQ
|
-11.3K |
15,437
-2.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 1.6% in tier |
| Assets |
$173.4M
-0.5% YoY+1.7% QoQ
|
$-58.5M |
$231.9M
+1.3% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$31.3M
-0.5% YoY-1.9% QoQ
|
$-116.0M |
$147.3M
-0.1% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.1% in tier |
| Deposits |
$143.0M
-0.7% YoY+2.0% QoQ
|
$-57.8M |
$200.8M
+0.8% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.3%
-173.5% YoY+17.4% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
1.4%
+576.5% YoY+18.8% QoQ
|
-2.2% |
3.6%
+6.7% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
78.4%
-76.4% YoY+0.2% QoQ
|
+1.3% |
77.0%
-3.1% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.1%
-90.1% YoY-45.8% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
21.9%
+0.2% YoY-3.8% QoQ
|
-50.3% |
72.2%
-1.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.4% in tier |
| AMR |
$42,614
+2.6% YoY+2.6% QoQ
|
+$18K |
$24,676
+3.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 4.9% in tier |
| CD Concentration |
37.2%
-9.5% YoY-9.1% QoQ
|
+12.8% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)