BlastPoint's Credit Union Scorecard
COMMUNITY
Charter #61336 · ND
COMMUNITY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.71% above tier average
- + Total Delinquency Rate (60+ days): Top 0.7% in tier
- + Efficiency Ratio: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 4.7% in tier
- + Net Charge-Off Rate: Top 5.9% in tier
- + Net Worth Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -3.2% YoY
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Fee Income Per Member: Bottom 1.1% in tier
- - Total Loans: Bottom 1.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,075
-3.2% YoY-0.4% QoQ
|
-11.1K |
15,145
-2.5% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$178.3M
+1.0% YoY+2.8% QoQ
|
$-53.4M |
$231.7M
+0.8% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$28.7M
-4.6% YoY-8.4% QoQ
|
$-115.4M |
$144.1M
+0.2% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.1% in tier |
| Deposits |
$147.4M
+0.7% YoY+3.1% QoQ
|
$-53.7M |
$201.1M
+0.4% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
1.4%
+372.8% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
Top 12.6% in tier |
| NIM |
2.5%
+176.7% YoY+78.7% QoQ
|
-1.2% |
3.6%
+4.6% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
42.2%
-56.4% YoY-46.1% QoQ
|
-35.8% |
78.0%
-1.7% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
0.0%
-99.9% YoY-93.5% QoQ
|
-0.8 |
0.8%
+7.1% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.7% in tier |
| Loan To Share |
19.5%
-5.2% YoY-11.1% QoQ
|
-50.9% |
70.4%
-0.4% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.4% in tier |
| AMR |
$43,216
+3.1% YoY+1.4% QoQ
|
+$18K |
$24,918
+2.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 4.8% in tier |
| CD Concentration |
36.0%
-7.7% YoY-3.4% QoQ
|
+11.7% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.7% | 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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)