BlastPoint's Credit Union Scorecard
AREA COMMUNITY
Charter #64294 · ND
AREA COMMUNITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Member decline: -3.6% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +2.4% year over year ($22.4M in shares and deposits).
- Membership: 1,869 members, -3.6% vs a year ago.
- Delinquency rate 1.54%.
- Return on assets 0.52%.
- Efficiency ratio 84.96% vs a 88.77% peer average.
- Loan-to-share ratio 75.16% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,869
-3.6% YoY-1.4% QoQ
|
-716 |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$27.7M
+2.1% YoY+0.2% QoQ
|
$-2.6M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$16.8M
+0.6% YoY+1.2% QoQ
|
+$1.3M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$22.4M
+2.4% YoY+0.1% QoQ
|
$-3.4M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
0.5%
-207.5% YoY+177.6% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
4.3%
+2.3% YoY+3.1% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
85.0%
-15.8% YoY-6.6% QoQ
|
-3.8% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
1.5%
+9.6% YoY+14.6% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
75.2%
-1.7% YoY+1.1% QoQ
|
+16.3% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$20,957
+5.4% YoY+2.0% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
23.0%
-12.2% YoY-8.5% QoQ
|
-1.5% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 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)