BlastPoint's Credit Union Scorecard

NSP

Charter #62733 · MN

2556 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 1.25% below tier average
- Efficiency ratio 22.03% above tier (higher cost structure)
- Member decline: -2.8% YoY
- Indirect Auto Concentration (%): Bottom 5.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	2,707 -2.8% YoY-0.9% QoQ	+91	2,615 -1.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	63%
Assets	$36.3M -5.2% YoY+0.2% QoQ	+$6.2M	$30.1M +2.1% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	66%
Loans	$20.9M -2.6% YoY+3.6% QoQ	+$5.2M	$15.8M -1.3% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	72%
Deposits	$28.2M -6.5% YoY+0.1% QoQ	+$2.5M	$25.7M +1.4% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	62%

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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	-0.6% +77.3% YoY-10.1% QoQ	-1.3%	0.6% +10.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	Bottom 7.7% in tier
NIM	3.8% +6.2% YoY+3.6% QoQ	-0.1%	4.0% +4.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	47%
Efficiency Ratio	104.6% +3.0% YoY+0.7% QoQ	+22.0%	82.6% -2.3% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	Top 8.4% in tier
Delinquency Rate	0.2% -49.4% YoY-50.6% QoQ	-1.4	1.6% -3.1% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	25%
Loan To Share	74.1% +4.1% YoY+3.5% QoQ	+13.5%	60.6% -3.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	70%
AMR	$18,152 -2.1% YoY+2.5% QoQ	+$3K	$14,783 -1.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	71%
CD Concentration	22.1% -10.1% YoY+2.1% QoQ	-2.3%	24.4%	22.0%	19.8%	50%
Indirect Auto %	23.3% -4.4% YoY-5.0% QoQ	+9.5%	13.8%	6.5%	7.8%	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 2556 peers in tier

Top Strengths (4 metrics)

398

Fee Income Per Member

profitability

Value: $147.03

Peer Median: -

#398 of 2556 Top 15.5% in <100M tier

510

Loan-to-Member Ratio (LMR)

engagement

Value: $7,727

Peer Median: -

#510 of 2556 Top 19.9% in <100M tier

540

Net Worth Ratio

risk

Value: 20.48%

Peer Median: -

#540 of 2556 Top 21.1% in <100M tier

636

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Median: -

#636 of 2556 Top 24.8% in <100M tier

Top Weaknesses (5 metrics)

2430

Indirect Auto Concentration (%)

balance_sheet

Value: 23.30%

Peer Median: -

#2430 of 2556 Bottom 5.0% in <100M tier

2360

Return on Assets (ROA)

profitability

Value: -0.63%

Peer Median: -

#2360 of 2556 Bottom 7.7% in <100M tier

2343

Efficiency Ratio

profitability

Value: 104.59%

Peer Median: -

#2343 of 2556 Bottom 8.4% in <100M tier

2222

Asset Growth Rate

growth

Value: -5.23%

Peer Median: -

#2222 of 2556 Bottom 13.1% in <100M tier

2213

Deposit Growth Rate

growth

Value: -6.48%

Peer Median: -

#2213 of 2556 Bottom 13.5% in <100M tier