BlastPoint's Credit Union Scorecard
MED PARK
Charter #62593 · ND
MED PARK has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.68% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,515
-3.2% YoY-1.0% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$18.0M
+0.2% YoY+0.6% QoQ
|
$-12.1M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$13.3M
-0.3% YoY-1.9% QoQ
|
$-2.5M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$14.9M
-1.8% YoY+0.3% QoQ
|
$-10.8M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
1.1%
-38.4% YoY-1.8% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.6%
+3.5% YoY+0.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
79.1%
+15.1% YoY+0.4% QoQ
|
-3.4% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
88.8%
+1.4% YoY-2.2% QoQ
|
+28.2% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 11.3% in tier |
| AMR |
$18,591
+2.2% YoY+0.3% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
14.4%
+17.3% YoY+1.7% QoQ
|
-10.1% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 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)