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 0.17% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.38% above tier (higher cost structure)
- - Member decline: -5.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,895
-5.0% YoY-0.5% QoQ
|
-781 |
2,676
+1.6% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$27.7M
+2.8% YoY+1.9% QoQ
|
$-2.5M |
$30.2M
+1.3% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$16.6M
-3.7% YoY-1.1% QoQ
|
+$1.3M |
$15.3M
-2.0% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$22.3M
+3.5% YoY+2.3% QoQ
|
$-3.4M |
$25.8M
+0.7% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.2%
-136.5% YoY
|
+0.0% |
0.1%
-77.6% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
4.2%
-1.8% YoY-3.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
91.0%
-10.2% YoY-2.5% QoQ
|
+0.4% |
90.6%
+6.5% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
1.3%
-27.1% YoY-10.5% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
74.3%
-6.9% YoY-3.3% QoQ
|
+15.8% |
58.5%
-3.0% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$20,555
+5.6% YoY+1.3% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
25.1%
-0.6% YoY-5.1% QoQ
|
+0.9% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 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)