BlastPoint's Credit Union Scorecard
NORTHERN HILLS
Charter #6986 · SD
NORTHERN HILLS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.9% in tier
- + Emerging Performer: Top 51.0% in tier
- + Wallet Share Momentum: Top 64.4% in tier
- + Profitability Leader: Top 97.9% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.6% in tier
- - Liquidity Strain: Bottom 18.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,038
+2.8% YoY+0.6% QoQ
|
-3.6K |
15,628
-3.4% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$177.4M
+7.6% YoY+1.1% QoQ
|
$-53.9M |
$231.3M
-0.0% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$140.8M
+9.9% YoY+3.4% QoQ
|
$-7.0M |
$147.8M
-1.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$153.0M
+9.3% YoY+0.5% QoQ
|
$-47.3M |
$200.3M
-0.0% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
1.1%
+81.8% YoY+6.2% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
4.0%
+8.1% YoY+0.5% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
72.1%
-8.9% YoY-3.6% QoQ
|
-5.2% |
77.3%
-3.0% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.5%
-24.6% YoY-13.1% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
92.0%
+0.6% YoY+2.9% QoQ
|
+19.3% |
72.7%
-1.5% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 11.7% in tier |
| AMR |
$24,407
+6.6% YoY+1.3% QoQ
|
+$44 |
$24,363
+2.9% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
33.8%
+24.3% YoY+7.8% QoQ
|
+9.4% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.8%
-9.9% YoY+0.1% QoQ
|
+9.8% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)