BlastPoint's Credit Union Scorecard
NORTHERN COMMUNITIES
Charter #64655 · MN
NORTHERN COMMUNITIES has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 23.6% in tier
- + Wallet Share Momentum: Top 48.2% in tier
- + Organic Growth Leader: Top 70.6% in tier
- + Organic Growth Engine: Top 82.3% in tier
- + Emerging Performer: Top 97.2% in tier
- + Net Interest Margin 1.34% above tier average
- + Loan-to-Share Ratio: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 18.0% in tier
- - Credit Quality Pressure: Bottom 26.3% in tier
- - Liquidity Strain: Bottom 53.7% in tier
- - ROA 0.12% below tier average
- - Delinquency rate 0.98% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,879
+1.6% YoY+0.8% QoQ
|
-8.6K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 10.1% in tier |
| Assets |
$119.9M
+10.5% YoY+2.2% QoQ
|
$-112.0M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.3% in tier |
| Loans |
$98.1M
+8.3% YoY+3.1% QoQ
|
$-49.3M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$105.1M
+10.7% YoY+2.5% QoQ
|
$-95.7M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.6% in tier |
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| ROA |
0.6%
-43.7% YoY-6.8% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
4.9%
-2.7% YoY+0.3% QoQ
|
+1.3% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
75.2%
+2.0% YoY-0.8% QoQ
|
-1.8% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.9%
+24.8% YoY+15.9% QoQ
|
+1.0 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 8.6% in tier |
| Loan To Share |
93.3%
-2.2% YoY+0.5% QoQ
|
+21.1% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 9.1% in tier |
| AMR |
$29,542
+7.8% YoY+2.0% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
22.2%
+42.3% YoY+5.7% QoQ
|
-2.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
10.3%
-21.4% YoY-5.7% QoQ
|
-3.5% | 13.8% | 6.5% | 7.8% | 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 (<20%). 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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)