BlastPoint's Credit Union Scorecard

HOMETOWN

Charter #61648 · ND

100M-500M

1024 CUs in 100M-500M nationally 8 in ND

HOMETOWN has 7 strengths but faces 8 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 50.0% in tier
+ ROA 0.58% above tier average
+ Average Member Relationship (AMR): Top 0.3% in tier
+ Loan-to-Member Ratio (LMR): Top 0.3% in tier
+ Loan-to-Share Ratio: Top 3.2% in tier
+ Net Charge-Off Rate: Top 3.5% in tier
+ Efficiency Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Delinquency rate 5.93% above tier average
- Members Per Employee (MPE): Bottom 0.1% in tier
- Total Delinquency Rate (60+ days): Bottom 0.2% in tier
- Share Certificate Concentration (%): Bottom 0.9% in tier
- Total Members: Bottom 1.1% 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 +3.7% year over year ($182M in shares and deposits).
Membership: 3,371 members, +0.3% vs a year ago.
Delinquency rate 6.81%.
Return on assets 1.44%.
Efficiency ratio 60.86% vs a 76.73% peer average.
Loan-to-share ratio 98.06% 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	3,371 +0.3% YoY-0.0% QoQ	-11.8K	15,168 -2.6% YoY	7,460 +0.8% YoY	34,678 +6.6% YoY	Bottom 1.0% in tier
Assets	$223.1M +4.2% YoY+1.8% QoQ	$-8.9M	$232.0M +0.7% YoY	$208.5M +5.1% YoY	$593.1M +10.2% YoY	57%
Loans	$178.4M +6.6% YoY+4.6% QoQ	+$32.2M	$146.3M +0.2% YoY	$145.2M +6.5% YoY	$418.6M +10.1% YoY	70%
Deposits	$182.0M +3.7% YoY+1.6% QoQ	$-18.7M	$200.7M +0.2% YoY	$172.0M +4.3% YoY	$504.8M +10.3% YoY	54%

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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	1.4% +31.8% YoY+0.4% QoQ	+0.6%	0.9% +12.5% YoY	1.0% +21.3% YoY	1.2% +121.4% YoY	Top 14.4% in tier
NIM	3.4% +9.4% YoY+2.2% QoQ	-0.3%	3.7% +4.5% YoY	3.5% +5.1% YoY	3.8% +2.3% YoY	33%
Efficiency Ratio	60.9% -5.4% YoY+0.5% QoQ	-15.9%	76.7% -0.8% YoY	72.1% -4.3% YoY	83.0% -5.3% YoY	Top 9.4% in tier
Delinquency Rate	6.8% +44.5% YoY+123.6% QoQ	+5.9	0.9% +6.6% YoY	1.2% +16.1% YoY	1.3% +2.6% YoY	Bottom 0.2% in tier
Loan To Share	98.1% +2.8% YoY+2.9% QoQ	+26.5%	71.5% -0.3% YoY	70.1% -2.4% YoY	66.4% -1.4% YoY	Top 3.3% in tier
AMR	$106,909 +4.8% YoY+3.1% QoQ	+$82K	$25,107 +3.2% YoY	$32,936 +2.3% YoY	$20,028 -0.9% YoY	Top 0.4% in tier
CD Concentration	52.8% -4.5% YoY-3.1% QoQ	+28.2%	24.6%	22.7%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	1.2%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#141 of 262 • Top 50.0% 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): 4.83%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $5.8K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#9 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 2.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY

Credit Risk Growth

risk

#45 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 6.62%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 2.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Liquidity Strain

risk

#56 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.06%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 6.62%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $106,909

Peer Median: $23,006

#4 of 1024 Top 0.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $52,930

Peer Median: $9,434

#4 of 1024 Top 0.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.06%

Peer Median: 73.07%

#34 of 1024 Top 3.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.34%

#37 of 1024 Top 3.5% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.86%

Peer Median: 77.26%

#97 of 1024 Top 9.4% in 100M-500M tier

135

First Mortgage Concentration (%)

balance_sheet

Value: 10.78%

Peer Median: 29.92%

#135 of 1024 Top 13.1% in 100M-500M tier

143

Net Worth Ratio

risk

Value: 15.56%

Peer Median: 11.71%

#143 of 1024 Top 13.9% in 100M-500M tier

147

Return on Assets (ROA)

profitability

Value: 1.44%

Peer Median: 0.75%

#147 of 1024 Top 14.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1024

Members Per Employee (MPE)

engagement

Value: 74.911

Peer Median: 310.924

#1024 of 1024 Bottom 0.1% in 100M-500M tier

1023

Total Delinquency Rate (60+ days)

risk

Value: 6.81%

Peer Median: 0.71%

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1016

Share Certificate Concentration (%)

balance_sheet

Value: 52.75%

Peer Median: 23.39%

#1016 of 1024 Bottom 0.9% in 100M-500M tier

1014

Total Members

engagement

Value: 3,371

Peer Median: 13,128

#1014 of 1024 Bottom 1.1% in 100M-500M tier