BlastPoint's Credit Union Scorecard
COMMUNITY
Charter #61336 · ND
COMMUNITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + Efficiency Ratio: Top 0.8% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Net Worth Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Member decline: -2.7% YoY
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Fee Income Per Member: Bottom 0.7% in tier
- - Total Loans: Bottom 1.3% 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 8 that size in North Dakota.
- Shares and deposits -0.9% year over year ($140M in shares and deposits).
- Membership: 4,051 members, -2.7% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 1.58%.
- Efficiency ratio 40.50% vs a 76.73% peer average.
- Loan-to-share ratio 20.60% 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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,051
-2.7% YoY-0.6% QoQ
|
-11.1K |
15,168
-2.6% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 1.9% in tier |
| Assets |
$171.6M
+0.1% YoY-3.8% QoQ
|
$-60.4M |
$232.0M
+0.7% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$28.9M
-6.7% YoY+0.6% QoQ
|
$-117.4M |
$146.3M
+0.2% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.2% in tier |
| Deposits |
$140.1M
-0.9% YoY-4.9% QoQ
|
$-60.6M |
$200.7M
+0.2% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.6%
+755.6% YoY+10.4% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
Top 10.6% in tier |
| NIM |
2.6%
+149.5% YoY+7.2% QoQ
|
-1.1% |
3.7%
+4.5% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
40.5%
-51.1% YoY-4.1% QoQ
|
-36.2% |
76.7%
-0.8% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
0.2%
-26.5% YoY
|
-0.7 |
0.9%
+6.6% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Top 12.4% in tier |
| Loan To Share |
20.6%
-5.8% YoY+5.8% QoQ
|
-50.9% |
71.5%
-0.3% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.5% in tier |
| AMR |
$41,722
+0.8% YoY-3.5% QoQ
|
+$17K |
$25,107
+3.2% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 5.4% in tier |
| CD Concentration |
35.8%
-12.4% YoY-0.3% QoQ
|
+11.3% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)