BlastPoint's Credit Union Scorecard
LAMOURE
Charter #62218 · ND
LAMOURE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Efficiency Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +4.8% year over year ($31.4M in shares and deposits).
- Membership: 1,126 members, -0.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.72%.
- Efficiency ratio 53.61% vs a 88.77% peer average.
- Loan-to-share ratio 58.18% vs a 58.89% 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 |
1,126
-0.1% YoY+0.4% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$38.8M
+5.9% YoY-4.4% QoQ
|
+$8.5M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$18.2M
+5.9% YoY+7.1% QoQ
|
+$2.8M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$31.4M
+4.8% YoY-6.0% QoQ
|
+$5.6M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
1.7%
-20.9% YoY+11.2% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
Top 14.6% in tier |
| NIM |
3.5%
-6.8% YoY+6.7% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
53.6%
+16.2% YoY-3.8% QoQ
|
-35.2% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
58.2%
+1.0% YoY+13.9% QoQ
|
-0.7% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$44,046
+5.3% YoY-1.9% QoQ
|
+$29K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 0.7% in tier |
| CD Concentration |
27.5%
+0.8% YoY+2.7% QoQ
|
+2.9% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)