BlastPoint's Credit Union Scorecard

NSP

Charter #62733 · MN

<100M

2508 CUs in <100M nationally 38 in MN

NSP has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 7.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.93% below tier average
- Efficiency ratio 7.25% above tier (higher cost structure)
- Member decline: -2.5% YoY
- Indirect Auto Concentration (%): Bottom 4.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	2,699 -2.5% YoY-0.3% QoQ	+22	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	63%
Assets	$36.2M -6.2% YoY-0.3% QoQ	+$6.0M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	66%
Loans	$20.8M +0.4% YoY-0.7% QoQ	+$5.5M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	72%
Deposits	$28.2M -7.6% YoY-0.0% QoQ	+$2.4M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% 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	-0.8% -21.2% YoY+24.8% QoQ	-0.9%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	Bottom 9.8% in tier
NIM	4.0% +19.1% YoY+4.2% QoQ	+0.0%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	97.9% -4.4% YoY-6.4% QoQ	+7.2%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.8% +33.8% YoY+335.7% QoQ	-0.7	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	59%
Loan To Share	73.6% +8.7% YoY-0.7% QoQ	+15.1%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	72%
AMR	$18,150 -1.9% YoY-0.0% QoQ	+$3K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	70%
CD Concentration	20.0% -10.2% YoY-9.6% QoQ	-4.3%	24.3%	22.6%	19.8%	50%
Indirect Auto %	23.0% -7.8% YoY-1.5% QoQ	+9.2%	13.8%	6.4%	7.7%	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 2508 peers in tier

Top Strengths (3 metrics)

195

Fee Income Per Member

profitability

Value: $173.52

Peer Median: $60.42

#195 of 2508 Top 7.7% in <100M tier

491

Loan-to-Member Ratio (LMR)

engagement

Value: $7,695

Peer Median: $4,923

#491 of 2508 Top 19.5% in <100M tier

528

Net Worth Ratio

risk

Value: 20.36%

Peer Median: 14.28%

#528 of 2508 Top 21.0% in <100M tier

Top Weaknesses (6 metrics)

2388

Indirect Auto Concentration (%)

balance_sheet

Value: 22.96%

Peer Median: 0.00%

#2388 of 2508 Bottom 4.8% in <100M tier

2263

Return on Assets (ROA)

profitability

Value: -0.79%

Peer Median: 0.61%

#2263 of 2508 Bottom 9.8% in <100M tier

2241

Asset Growth Rate

growth

Value: -6.16%

Peer Median: 1.30%

#2241 of 2508 Bottom 10.7% in <100M tier

2240

Deposit Growth Rate

growth

Value: -7.59%

Peer Median: 0.66%

#2240 of 2508 Bottom 10.7% in <100M tier

2056

Efficiency Ratio

profitability

Value: 97.88%

Peer Median: 81.45%

#2056 of 2508 Bottom 18.1% in <100M tier

1951

Net Charge-Off Rate

risk

Value: 0.62%

Peer Median: 0.07%

#1951 of 2508 Bottom 22.2% in <100M tier