BlastPoint's Credit Union Scorecard
VUE COMMUNITY
Charter #64408 · ND
VUE COMMUNITY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.40% above tier average
- + Average Member Relationship (AMR): Top 5.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
- + Net Charge-Off Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 1.3% in tier
- - Total Assets: Bottom 4.1% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
- - Total Deposits: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,693
-0.1% YoY+0.3% QoQ
|
-11.5K |
15,145
-2.5% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 1.2% in tier |
| Assets |
$105.3M
+3.4% YoY+1.5% QoQ
|
$-126.5M |
$231.7M
+0.8% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.0% in tier |
| Loans |
$58.4M
-0.1% YoY-1.8% QoQ
|
$-85.7M |
$144.1M
+0.2% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.4% in tier |
| Deposits |
$95.8M
+2.7% YoY+1.4% QoQ
|
$-105.3M |
$201.1M
+0.4% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.6% in tier |
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| ROA |
1.1%
+155.6% YoY+39.9% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
3.3%
+36.8% YoY+11.1% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
69.7%
-22.9% YoY-9.4% QoQ
|
-8.3% |
78.0%
-1.7% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
0.5%
-44.0% YoY+34.8% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
61.0%
-2.8% YoY-3.1% QoQ
|
-9.4% |
70.4%
-0.4% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$41,776
+1.8% YoY-0.1% QoQ
|
+$17K |
$24,918
+2.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 5.1% in tier |
| CD Concentration |
35.9%
+1.5% YoY+0.2% QoQ
|
+11.6% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 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 (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)