BlastPoint's Credit Union Scorecard
VUE COMMUNITY
Charter #64408 · ND
VUE COMMUNITY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.12% above tier average
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Net Charge-Off Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 2.10% above tier average
- - Total Members: Bottom 1.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Total Assets: Bottom 3.9% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
- - Total Deposits: Bottom 8.5% in tier
- - Members Per Employee (MPE): Bottom 8.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in North Dakota.
- Shares and deposits +3.9% year over year ($96.7M in shares and deposits).
- Membership: 3,696 members, -0.0% vs a year ago.
- Delinquency rate 2.99%.
- Return on assets 0.98%.
- Efficiency ratio 72.83% vs a 76.73% peer average.
- Loan-to-share ratio 60.04% vs a 71.54% 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 |
3,696
-0.0% YoY+0.1% QoQ
|
-11.5K |
15,168
-2.6% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 1.4% in tier |
| Assets |
$106.3M
+4.6% YoY+1.0% QoQ
|
$-125.7M |
$232.0M
+0.7% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.8% in tier |
| Loans |
$58.1M
-0.4% YoY-0.7% QoQ
|
$-88.2M |
$146.3M
+0.2% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.0% in tier |
| Deposits |
$96.7M
+3.9% YoY+0.9% QoQ
|
$-104.0M |
$200.7M
+0.2% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.4% in tier |
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| ROA |
1.0%
+42.6% YoY-13.2% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
3.3%
+22.5% YoY+0.2% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
72.8%
-14.0% YoY+4.5% QoQ
|
-3.9% |
76.7%
-0.8% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
3.0%
+314.8% YoY+447.3% QoQ
|
+2.1 |
0.9%
+6.6% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
60.0%
-4.1% YoY-1.5% QoQ
|
-11.5% |
71.5%
-0.3% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$41,871
+2.3% YoY+0.2% QoQ
|
+$17K |
$25,107
+3.2% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 5.3% in tier |
| CD Concentration |
35.8%
-1.1% YoY-0.2% QoQ
|
+11.2% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 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 (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)