BlastPoint's Credit Union Scorecard
AREA COMMUNITY
Charter #64294 · ND
AREA COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Efficiency ratio 15.10% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Member decline: -5.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,916
-5.0% YoY-1.1% QoQ
|
-709 |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$27.1M
+2.7% YoY-0.1% QoQ
|
$-2.7M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$16.7M
-12.2% YoY-0.1% QoQ
|
+$921K |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$21.9M
+3.9% YoY+0.1% QoQ
|
$-3.6M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
-0.3%
-150.2% YoY-44.9% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.3% in tier |
| NIM |
4.3%
-3.0% YoY+1.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
96.5%
+10.0% YoY-4.4% QoQ
|
+15.1% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
1.6%
+13.9% YoY+12.6% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
76.3%
-15.5% YoY-0.2% QoQ
|
+15.1% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$20,121
+1.4% YoY+1.2% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
23.6%
+16.7% YoY-9.9% QoQ
|
-0.8% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)