BlastPoint's Credit Union Scorecard
NORTHERN COMMUNITIES
Charter #64655 · MN
NORTHERN COMMUNITIES has 7 strengths but faces 8 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
- + Net Interest Margin 1.15% above tier average
- + Loan-to-Share Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 9.61% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
- - Members Per Employee (MPE): Bottom 6.3% 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 31 that size in Minnesota.
- Shares and deposits +6.6% year over year ($109M in shares and deposits).
- Membership: 6,897 members, +1.1% vs a year ago.
- Delinquency rate 1.92%.
- Return on assets 0.55%.
- Efficiency ratio 86.34% vs a 76.73% peer average.
- Loan-to-share ratio 92.99% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,897
+1.1% YoY+0.4% QoQ
|
-8.3K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 11.0% in tier |
| Assets |
$124.3M
+6.3% YoY-2.0% QoQ
|
$-107.7M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$101.3M
+10.0% YoY+2.5% QoQ
|
$-45.0M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$108.9M
+6.6% YoY-2.7% QoQ
|
$-91.8M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.6%
-26.0% YoY-34.3% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
4.8%
-1.5% YoY-3.4% QoQ
|
+1.1% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
86.3%
+11.8% YoY+3.7% QoQ
|
+9.6% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.9%
+19.9% YoY+28.2% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
93.0%
+3.2% YoY+5.3% QoQ
|
+21.5% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 9.3% in tier |
| AMR |
$30,484
+7.1% YoY-0.6% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
20.8%
+1.0% YoY+4.8% QoQ
|
-3.8% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
8.6%
-26.8% YoY-9.8% QoQ
|
-5.0% | 13.6% | 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 (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)