BlastPoint's Credit Union Scorecard
VUE COMMUNITY
Charter #64408 · ND
VUE COMMUNITY has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 92.6% in tier
- + ROA 0.00% 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 5.2% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.02% above tier (higher cost structure)
- - Total Members: Bottom 1.3% in tier
- - Total Assets: Bottom 1.9% in tier
- - Net Worth Ratio: Bottom 5.1% in tier
- - Total Deposits: Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 7.5% in tier
- - Loan Growth Rate: Bottom 7.9% in tier
- - Total Loans: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,680
-0.4% YoY-0.5% QoQ
|
-11.9K |
15,628
-3.4% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 1.2% in tier |
| Assets |
$103.1M
+7.2% YoY+1.4% QoQ
|
$-128.2M |
$231.3M
-0.0% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.9% in tier |
| Loans |
$58.6M
-6.7% YoY+0.5% QoQ
|
$-89.2M |
$147.8M
-1.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.9% in tier |
| Deposits |
$94.2M
+7.0% YoY+1.2% QoQ
|
$-106.1M |
$200.3M
-0.0% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-120.7% YoY+15.1% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
2.8%
+23.6% YoY+6.0% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
79.3%
-7.1% YoY-6.4% QoQ
|
+2.0% |
77.3%
-3.0% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.6%
-87.7% YoY-10.7% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
62.2%
-12.8% YoY-0.7% QoQ
|
-10.5% |
72.7%
-1.5% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$41,517
+1.7% YoY+1.4% QoQ
|
+$17K |
$24,363
+2.9% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 5.3% in tier |
| CD Concentration |
35.7%
+4.7% YoY-1.3% QoQ
|
+11.3% |
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 (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)