BlastPoint's Credit Union Scorecard
HOMETOWN
Charter #61648 · ND
HOMETOWN has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 100.0% in tier
- + ROA 0.24% 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 1.7% in tier
- + Loan-to-Share Ratio: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 31.7% in tier
- - Credit Quality Pressure: Bottom 64.1% in tier
- - Credit Risk Growth: Bottom 87.9% in tier
- - Delinquency rate 3.05% above tier average
- - Members Per Employee (MPE): Bottom 0.3% in tier
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Total Members: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,350
+0.4% YoY-0.1% QoQ
|
-12.1K |
15,437
-2.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 0.9% in tier |
| Assets |
$212.9M
+2.2% YoY+0.9% QoQ
|
$-18.9M |
$231.9M
+1.3% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$174.8M
+1.4% YoY+2.0% QoQ
|
+$27.5M |
$147.3M
-0.1% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$172.9M
+1.4% YoY+0.4% QoQ
|
$-27.9M |
$200.8M
+0.8% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
1.0%
+19.8% YoY+3.1% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.1%
+5.3% YoY+1.4% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
66.8%
-8.6% YoY-0.8% QoQ
|
-10.3% |
77.0%
-3.1% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
3.9%
+3.4% YoY+5.1% QoQ
|
+3.1 |
0.9%
+4.2% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 1.1% in tier |
| Loan To Share |
101.1%
+0.1% YoY+1.5% QoQ
|
+28.9% |
72.2%
-1.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 1.9% in tier |
| AMR |
$103,785
+1.0% YoY+1.3% QoQ
|
+$79K |
$24,676
+3.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 0.4% in tier |
| CD Concentration |
54.0%
+4.1% YoY-0.9% QoQ
|
+29.6% | 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 (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)