BlastPoint's Credit Union Scorecard
COMMUNITY
Charter #61336 · ND
COMMUNITY has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 23.6% in tier
- + Relationship Depth Leader: Top 87.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.5% in tier
- + Average Member Relationship (AMR): Top 5.1% in tier
- + Total Delinquency Rate (60+ days): Top 6.7% in tier
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 17.6% in tier
- - Stagnation Risk: Bottom 17.9% in tier
- - Liquidity Overhang: Bottom 29.3% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 0.90% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - Fee Income Per Member: Bottom 0.6% in tier
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Total Loans: Bottom 1.2% in tier
- - Total Members: Bottom 1.7% in tier
- - Share Certificate Concentration (%): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,145
-2.4% YoY-0.5% QoQ
|
-11.5K |
15,628
-3.4% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 1.6% in tier |
| Assets |
$170.5M
-0.5% YoY-0.5% QoQ
|
$-60.8M |
$231.3M
-0.0% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$31.9M
+2.7% YoY+3.2% QoQ
|
$-115.9M |
$147.8M
-1.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.1% in tier |
| Deposits |
$140.2M
-1.2% YoY-0.9% QoQ
|
$-60.1M |
$200.3M
-0.0% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
0.3%
-133.7% YoY+39.6% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
1.2%
+1474.0% YoY+9.5% QoQ
|
-2.4% |
3.6%
+6.9% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio |
78.2%
-91.0% YoY-5.7% QoQ
|
+0.9% |
77.3%
-3.0% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.1%
-50.8% YoY-57.6% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
22.8%
+3.9% YoY+4.2% QoQ
|
-49.9% |
72.7%
-1.5% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$41,534
+1.9% YoY+0.3% QoQ
|
+$17K |
$24,363
+2.9% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 5.2% in tier |
| CD Concentration |
41.0%
-6.4% YoY+0.2% QoQ
|
+16.6% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)