BlastPoint's Credit Union Scorecard

NORTHWOODS

Charter #62847 · MN

1069 CUs in 100M-500M nationally 31 in MN

NORTHWOODS has 3 strengths but faces 9 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

+ ROA 0.17% above tier average
+ Net Interest Margin 1.85% above tier average
+ Fee Income Per Member: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 42.3% in tier
- Stagnation Risk: Bottom 58.6% in tier
- Membership Headwinds: Bottom 62.2% in tier
- Efficiency Drag: Bottom 83.8% in tier
- Institutional Decline: Bottom 87.9% in tier
- Efficiency ratio 3.69% above tier (higher cost structure)
- Member decline: -2.0% YoY
- Members Per Employee (MPE): Bottom 4.7% in tier
- Deposit Growth Rate: Bottom 7.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	11,783 -2.0% YoY-1.0% QoQ	-3.7K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	41%
Assets	$174.0M -1.1% YoY-0.5% QoQ	$-57.8M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	41%
Loans	$136.9M -0.9% YoY+2.8% QoQ	$-10.5M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	56%
Deposits	$156.0M -2.5% YoY-0.8% QoQ	$-44.8M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	44%

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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	0.9% +35.1% YoY-15.8% QoQ	+0.2%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	64%
NIM	5.5% +10.8% YoY+1.3% QoQ	+1.8%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Top 1.1% in tier
Efficiency Ratio	80.7% -3.8% YoY+1.7% QoQ	+3.7%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	62%
Delinquency Rate	0.6% +86.0% YoY+24.8% QoQ	-0.3	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	37%
Loan To Share	87.8% +1.6% YoY+3.7% QoQ	+15.5%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	80%
AMR	$24,853 +0.2% YoY+1.9% QoQ	+$177	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	62%
CD Concentration	18.7% -12.9% YoY-3.1% QoQ	-5.7%	24.4%	22.0%	19.8%	50%
Indirect Auto %	9.8% +8.7% YoY+53.6% QoQ	-4.0%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#299 of 705 • Bottom 42.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#325 of 554 • Bottom 58.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -0.92%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.55%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#345 of 554 • Bottom 62.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#451 of 538 • Bottom 83.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.71%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Institutional Decline

decline

#211 of 240 • Bottom 87.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $174.04M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -0.92%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.45%

Peer Median: -

#12 of 1069 Top 1.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $285.57

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

209

Loan-to-Share Ratio

balance_sheet

Value: 87.77%

Peer Median: -

#209 of 1069 Top 19.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1020

Members Per Employee (MPE)

engagement

Value: 203.155

Peer Median: -

#1020 of 1069 Bottom 4.7% in 100M-500M tier

991

Deposit Growth Rate

growth

Value: -2.52%

Peer Median: -

#991 of 1069 Bottom 7.4% in 100M-500M tier

960

Asset Growth Rate

growth

Value: -1.07%

Peer Median: -

#960 of 1069 Bottom 10.3% in 100M-500M tier

876

Net Worth Ratio

risk

Value: 9.32%

Peer Median: -

#876 of 1069 Bottom 18.1% in 100M-500M tier

848

AMR Growth Rate

growth

Value: 0.23%

Peer Median: -

#848 of 1069 Bottom 20.8% in 100M-500M tier