BlastPoint's Credit Union Scorecard

NORTHERN HILLS

Charter #6986 · SD

100M-500M

1070 CUs in 100M-500M nationally 9 in SD

NORTHERN HILLS has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.12% above tier average
+ Net Interest Margin 0.23% above tier average
+ Strong member growth: 6.6% YoY
+ Deposit Growth Rate: Top 2.0% in tier
+ Asset Growth Rate: Top 2.4% in tier
+ Loan Growth Rate: Top 2.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	12,667 +6.6% YoY+3.1% QoQ	-2.5K	15,145 -2.5% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	47%
Assets	$196.6M +15.9% YoY+5.3% QoQ	$-35.1M	$231.7M +0.8% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	50%
Loans	$161.1M +21.8% YoY+6.6% QoQ	+$17.0M	$144.1M +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	66%
Deposits	$175.3M +17.5% YoY+5.6% QoQ	$-25.8M	$201.1M +0.4% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	52%

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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	0.8% -7.9% YoY-25.4% QoQ	+0.1%	0.7% +5.1% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	60%
NIM	3.9% -3.3% YoY-1.9% QoQ	+0.2%	3.6% +4.6% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	74.2% -6.2% YoY+3.4% QoQ	-3.8%	78.0% -1.7% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.4% -15.9% YoY-11.1% QoQ	-0.4	0.8% +7.1% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	31%
Loan To Share	91.9% +3.6% YoY+1.0% QoQ	+21.5%	70.4% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	Top 8.6% in tier
AMR	$26,560 +12.2% YoY+2.9% QoQ	+$2K	$24,918 +2.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	69%
CD Concentration	39.2% +28.5% YoY+0.2% QoQ	+14.9%	24.3%	28.7%	19.8%	50%
Indirect Auto %	27.2% -19.5% YoY+7.7% QoQ	+13.4%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#85 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 12.19%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Emerging Performer

growth

#59 of 157 • Top 50.0% 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: 0.84%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 6.57%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#145 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 15.92%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 27.24%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 6.57%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk

#85 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.88%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 21.83%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (7 metrics)

Deposit Growth Rate

growth

Value: 17.55%

Peer Median: 3.30%

#22 of 1070 Top 2.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 15.92%

Peer Median: 3.91%

#27 of 1070 Top 2.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 21.83%

Peer Median: 2.93%

#30 of 1070 Top 2.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.19%

Peer Median: 3.46%

#68 of 1070 Top 6.3% in 100M-500M tier

Member Growth Rate

growth

Value: 6.57%

Peer Median: -0.06%

#74 of 1070 Top 6.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.88%

Peer Median: 71.88%

#92 of 1070 Top 8.5% in 100M-500M tier

205

Loan-to-Member Ratio (LMR)

engagement

Value: $12,718

Peer Median: $9,356

#205 of 1070 Top 19.1% in 100M-500M tier

Top Weaknesses (2 metrics)

977

Share Certificate Concentration (%)

balance_sheet

Value: 39.20%

Peer Median: 23.10%

#977 of 1070 Bottom 8.8% in 100M-500M tier

872

Indirect Auto Concentration (%)

balance_sheet

Value: 27.24%

Peer Median: 6.61%

#872 of 1070 Bottom 18.6% in 100M-500M tier