BlastPoint's Credit Union Scorecard
NORTHWOODS
Charter #62847 · MN
NORTHWOODS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 1.75% above tier average
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency ratio 7.02% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,728
-1.9% YoY-0.5% QoQ
|
-3.4K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$178.0M
-0.6% YoY+2.3% QoQ
|
$-53.7M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$131.6M
-2.6% YoY-3.9% QoQ
|
$-12.6M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$159.1M
-2.1% YoY+2.0% QoQ
|
$-42.0M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
1.0%
-14.1% YoY+2.0% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
5.4%
+3.6% YoY-1.2% QoQ
|
+1.8% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
Top 1.5% in tier |
| Efficiency Ratio |
85.0%
+5.8% YoY+5.4% QoQ
|
+7.0% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.4%
+22.9% YoY-34.3% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
82.7%
-0.5% YoY-5.8% QoQ
|
+12.3% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$24,786
-0.4% YoY-0.3% QoQ
|
$-132 |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
17.0%
-16.1% YoY-9.2% QoQ
|
-7.3% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
9.1%
+10.8% YoY-7.0% QoQ
|
-4.7% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)