BlastPoint's Credit Union Scorecard

NSP

Charter #62733 · MN

2596 CUs in <100M nationally 38 in MN

NSP faces 4 concerns requiring attention

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.38% below tier average
- Efficiency ratio 22.50% above tier (higher cost structure)
- Member decline: -2.6% YoY
- Indirect Auto Concentration (%): Bottom 4.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	2,731 -2.6% YoY-0.9% QoQ	+105	2,625 -2.2% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	63%
Assets	$36.3M -5.7% YoY-3.5% QoQ	+$6.4M	$29.9M +1.1% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	66%
Loans	$20.2M -6.1% YoY+0.4% QoQ	+$4.4M	$15.8M -2.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	70%
Deposits	$28.2M -7.0% YoY-4.9% QoQ	+$2.7M	$25.5M +0.4% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	63%

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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	-0.7% +93.9% YoY-38.8% QoQ	-1.4%	0.7% -731.4% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	Bottom 7.2% in tier
NIM	3.7% +3.9% YoY+5.9% QoQ	-0.2%	3.9% +3.8% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	42%
Efficiency Ratio	103.9% +5.1% YoY+4.2% QoQ	+22.5%	81.4% -2.4% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	Top 9.1% in tier
Delinquency Rate	0.4% -31.9% YoY-77.0% QoQ	-1.1	1.5% -2.0% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	37%
Loan To Share	71.6% +1.0% YoY+5.6% QoQ	+10.4%	61.2% -3.0% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	65%
AMR	$17,712 -4.2% YoY-1.9% QoQ	+$3K	$14,627 -2.7% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	70%
CD Concentration	21.7% -10.5% YoY-2.2% QoQ	-2.7%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	24.5% -0.5% YoY-2.4% QoQ	+10.6%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (3 metrics)

476

Fee Income Per Member

profitability

Value: $136.12

Peer Avg: -

#476 of 2596 Top 18.3% in <100M tier

527

Net Worth Ratio

risk

Value: 20.61%

Peer Avg: -

#527 of 2596 Top 20.3% in <100M tier

586

Loan-to-Member Ratio (LMR)

engagement

Value: $7,393

Peer Avg: -

#586 of 2596 Top 22.5% in <100M tier

Top Weaknesses (7 metrics)

2472

Indirect Auto Concentration (%)

balance_sheet

Value: 24.54%

Peer Avg: -

#2472 of 2596 Bottom 4.8% in <100M tier

2410

Return on Assets (ROA)

profitability

Value: -0.70%

Peer Avg: -

#2410 of 2596 Bottom 7.2% in <100M tier

2361

Efficiency Ratio

profitability

Value: 103.90%

Peer Avg: -

#2361 of 2596 Bottom 9.1% in <100M tier

2284

Deposit Growth Rate

growth

Value: -7.04%

Peer Avg: -

#2284 of 2596 Bottom 12.1% in <100M tier

2276

Asset Growth Rate

growth

Value: -5.70%

Peer Avg: -

#2276 of 2596 Bottom 12.4% in <100M tier

2083

AMR Growth Rate

growth

Value: -4.18%

Peer Avg: -

#2083 of 2596 Bottom 19.8% in <100M tier

1960

Net Charge-Off Rate

risk

Value: 0.63%

Peer Avg: -

#1960 of 2596 Bottom 24.5% in <100M tier