BlastPoint's Credit Union Scorecard
VUE COMMUNITY
Charter #64408 · ND
VUE COMMUNITY has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Charge-Off Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 46.4% in tier
- - Wealth Migration Risk: Bottom 57.9% in tier
- - Total Members: Bottom 1.3% in tier
- - Total Assets: Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 5.6% in tier
- - Total Deposits: Bottom 6.3% in tier
- - Net Worth Ratio: Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,683
-0.0% YoY+0.1% QoQ
|
-11.8K |
15,437
-2.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 1.2% in tier |
| Assets |
$103.7M
-0.4% YoY+0.6% QoQ
|
$-128.1M |
$231.9M
+1.3% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.3% in tier |
| Loans |
$59.5M
-7.7% YoY+1.6% QoQ
|
$-87.8M |
$147.3M
-0.1% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.6% in tier |
| Deposits |
$94.6M
+0.5% YoY+0.4% QoQ
|
$-106.3M |
$200.8M
+0.8% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.2% in tier |
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| ROA |
0.8%
-130.0% YoY+2.1% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
2.9%
+29.1% YoY+3.8% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
76.9%
-12.2% YoY-3.0% QoQ
|
-0.1% |
77.0%
-3.1% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.4%
-54.3% YoY-37.0% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
62.9%
-8.1% YoY+1.2% QoQ
|
-9.3% |
72.2%
-1.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$41,835
-2.8% YoY+0.8% QoQ
|
+$17K |
$24,676
+3.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 5.4% in tier |
| CD Concentration |
35.8%
+1.0% YoY+0.2% QoQ
|
+11.4% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)