BlastPoint's Credit Union Scorecard

HOMETOWN

Charter #61648 · ND

1077 CUs in 100M-500M nationally 9 in ND

HOMETOWN has 7 strengths but faces 10 concerns

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 59.4% in tier
+ ROA 0.18% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 0.3% in tier
+ Loan-to-Member Ratio (LMR): Top 0.3% in tier
+ Net Charge-Off Rate: Top 2.8% in tier
+ Loan-to-Share Ratio: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 5.4% in tier
- Liquidity Strain: Bottom 12.3% in tier
- Membership Headwinds: Bottom 22.7% in tier
- Credit Quality Pressure: Bottom 25.6% in tier
- Credit Risk Growth: Bottom 28.7% in tier
- Delinquency rate 2.90% above tier average
- Members Per Employee (MPE): Bottom 0.2% in tier
- Share Certificate Concentration (%): Bottom 0.6% in tier
- Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- Total Members: Bottom 1.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	3,354 -1.6% YoY-0.2% QoQ	-12.3K	15,628 -3.4% YoY	7,412 -0.5% YoY	33,089 +6.1% YoY	Bottom 0.9% in tier
Assets	$211.0M +3.8% YoY-1.5% QoQ	$-20.3M	$231.3M -0.0% YoY	$201.0M +5.9% YoY	$547.7M +7.8% YoY	54%
Loans	$171.5M +1.6% YoY+2.5% QoQ	+$23.7M	$147.8M -1.4% YoY	$137.9M +2.5% YoY	$388.7M +8.6% YoY	67%
Deposits	$172.2M +2.8% YoY-1.9% QoQ	$-28.1M	$200.3M -0.0% YoY	$165.9M +4.4% YoY	$464.6M +9.3% YoY	50%

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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	1.0% +31.4% YoY-11.3% QoQ	+0.2%	0.8% +15.5% YoY	0.9% -6.7% YoY	0.7% +273.4% YoY	64%
NIM	3.0% +5.8% YoY-3.3% QoQ	-0.6%	3.6% +6.9% YoY	3.4% +7.4% YoY	3.7% +5.0% YoY	20%
Efficiency Ratio	67.3% -11.1% YoY+4.6% QoQ	-10.0%	77.3% -3.0% YoY	74.0% -24.8% YoY	79.1% -3.3% YoY	19%
Delinquency Rate	3.8% +0.9% YoY-20.4% QoQ	+2.9	0.9% +7.6% YoY	0.9% -3.9% YoY	1.2% -0.9% YoY	Top 1.0% in tier
Loan To Share	99.6% -1.2% YoY+4.4% QoQ	+26.9%	72.7% -1.5% YoY	72.0% -4.4% YoY	68.0% -1.7% YoY	Top 2.9% in tier
AMR	$102,460 +3.8% YoY+0.5% QoQ	+$78K	$24,363 +2.9% YoY	$32,427 +3.2% YoY	$19,418 +1.3% YoY	Top 0.4% in tier
CD Concentration	54.5% -5.1% YoY-1.4% QoQ	+30.1%	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 (1)

Relationship Depth Leader

growth

#153 of 257 • Top 59.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.83%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#90 of 550 • Bottom 5.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.59%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 3.75%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk

#96 of 258 • Bottom 12.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.57%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 1.59%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Membership Headwinds

decline

#374 of 550 • Bottom 22.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#634 of 736 • Bottom 25.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#431 of 446 • Bottom 28.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.59%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $102,460

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $51,120

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Avg: -

#31 of 1077 Top 2.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 99.57%

Peer Avg: -

#31 of 1077 Top 2.8% in 100M-500M tier

147

Net Worth Ratio

risk

Value: 15.43%

Peer Avg: -

#147 of 1077 Top 13.6% in 100M-500M tier

147

First Mortgage Concentration (%)

balance_sheet

Value: 10.87%

Peer Avg: -

#147 of 1077 Top 13.6% in 100M-500M tier

210

Efficiency Ratio

profitability

Value: 67.29%

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

Top Weaknesses (5 metrics)

1076

Members Per Employee (MPE)

engagement

Value: 78.000

Peer Avg: -

#1076 of 1077 Bottom 0.2% in 100M-500M tier

1072

Share Certificate Concentration (%)

balance_sheet

Value: 54.49%

Peer Avg: -

#1072 of 1077 Bottom 0.6% in 100M-500M tier

1067

Total Delinquency Rate (60+ days)

risk

Value: 3.75%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1067

Total Members

engagement

Value: 3,354

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

861

Net Interest Margin (NIM)

profitability

Value: 3.02%

Peer Avg: -

#861 of 1077 Bottom 20.1% in 100M-500M tier