BlastPoint's Credit Union Scorecard

NORTHERN COMMUNITIES

Charter #64655 · MN

1077 CUs in 100M-500M nationally 31 in MN

NORTHERN COMMUNITIES has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 22.1% in tier
+ Organic Growth Engine: Top 26.5% in tier
+ Relationship Depth Leader: Top 40.6% in tier
+ Wallet Share Momentum: Top 79.6% in tier
+ Emerging Performer: Top 95.3% in tier
+ Net Interest Margin 1.35% above tier average
+ Asset Growth Rate: Top 7.3% in tier
+ Deposit Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.9% in tier
- Credit Risk Growth: Bottom 12.6% in tier
- Liquidity Strain: Bottom 23.3% in tier
- ROA 0.10% below tier average
- Delinquency rate 0.76% above tier average
- Members Per Employee (MPE): Bottom 8.3% in tier
- Total Members: Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	6,825 +1.6% YoY0% QoQ	-8.8K	15,628 -3.4% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	Bottom 9.2% in tier
Assets	$117.3M +11.4% YoY+0.3% QoQ	$-114.0M	$231.3M -0.0% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	Bottom 12.1% in tier
Loans	$95.2M +3.9% YoY+3.3% QoQ	$-52.6M	$147.8M -1.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	32%
Deposits	$102.5M +11.4% YoY+0.3% QoQ	$-97.7M	$200.3M -0.0% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	Bottom 12.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -41.5% YoY-8.3% QoQ	-0.1%	0.8% +15.5% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	44%
NIM	4.9% -3.7% YoY+0.5% QoQ	+1.3%	3.6% +6.9% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	Top 3.4% in tier
Efficiency Ratio	75.8% +2.8% YoY-1.8% QoQ	-1.4%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	46%
Delinquency Rate	1.6% +30.9% YoY+1.1% QoQ	+0.8	0.9% +7.6% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	Top 12.3% in tier
Loan To Share	92.8% -6.8% YoY+3.0% QoQ	+20.1%	72.7% -1.5% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	Top 10.8% in tier
AMR	$28,971 +5.9% YoY+1.8% QoQ	+$5K	$24,363 +2.9% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	80%
CD Concentration	21.0% +72.3% YoY+2.2% QoQ	-3.4%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	10.9% -20.7% YoY-7.1% QoQ	-3.0%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#292 of 430 • Top 22.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.64%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 10.94%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#486 of 603 • Top 26.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.64%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.68%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 10.94%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#105 of 257 • Top 40.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.92%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.7K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#383 of 481 • Top 79.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.92%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Emerging Performer

growth

#182 of 191 • Top 95.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.68%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.64%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#196 of 736 • Bottom 7.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#189 of 446 • Bottom 12.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.88%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Liquidity Strain

risk

#181 of 258 • Bottom 23.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.81%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.88%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.93%

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.40%

Peer Avg: -

#80 of 1077 Top 7.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.41%

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

116

Loan-to-Share Ratio

balance_sheet

Value: 92.81%

Peer Avg: -

#116 of 1077 Top 10.7% in 100M-500M tier

146

Loan-to-Member Ratio (LMR)

engagement

Value: $13,946

Peer Avg: -

#146 of 1077 Top 13.5% in 100M-500M tier

215

Average Member Relationship (AMR)

engagement

Value: $28,971

Peer Avg: -

#215 of 1077 Top 19.9% in 100M-500M tier

Top Weaknesses (5 metrics)

989

Members Per Employee (MPE)

engagement

Value: 220.161

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

978

Total Members

engagement

Value: 6,825

Peer Avg: -

#978 of 1077 Bottom 9.3% in 100M-500M tier

947

Total Assets

balance_sheet

Value: $117.33M

Peer Avg: -

#947 of 1077 Bottom 12.2% in 100M-500M tier

946

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Avg: -

#946 of 1077 Bottom 12.3% in 100M-500M tier

942

Total Deposits

balance_sheet

Value: $102.55M

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier