BlastPoint's Credit Union Scorecard
NORTHERN COMMUNITIES
Charter #64655 · MN
NORTHERN COMMUNITIES has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 1.37% above tier average
- + Deposit Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 5.27% above tier (higher cost structure)
- - Delinquency rate 0.72% above tier average
- - Members Per Employee (MPE): Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,869
+1.3% YoY-0.1% QoQ
|
-8.3K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 10.4% in tier |
| Assets |
$126.8M
+11.0% YoY+5.8% QoQ
|
$-104.9M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$98.8M
+10.5% YoY+0.7% QoQ
|
$-45.3M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$111.9M
+11.8% YoY+6.5% QoQ
|
$-89.2M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
19% |
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%
+244.0% YoY+31.6% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
5.0%
+2.2% YoY+1.2% QoQ
|
+1.4% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
83.3%
+4.6% YoY+10.8% QoQ
|
+5.3% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
1.5%
+12.3% YoY-20.2% QoQ
|
+0.7 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.0% in tier |
| Loan To Share |
88.3%
-1.2% YoY-5.4% QoQ
|
+17.9% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 13.7% in tier |
| AMR |
$30,680
+9.8% YoY+3.9% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
19.8%
+3.9% YoY-10.7% QoQ
|
-4.5% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
9.6%
-24.6% YoY-7.3% QoQ
|
-4.2% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)