BlastPoint's Credit Union Scorecard

NORTHERN HILLS

Charter #6986 · SD

100M-500M

1024 CUs in 100M-500M nationally 9 in SD

NORTHERN HILLS has 8 strengths but faces 5 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
+ Net Interest Margin 0.24% above tier average
+ Strong member growth: 8.9% YoY
+ Loan Growth Rate: Top 1.2% in tier
+ Deposit Growth Rate: Top 1.4% in tier
+ Asset Growth Rate: Top 2.4% in tier
+ Member Growth Rate: Top 4.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- ROA 0.05% below tier average
- Share Certificate Concentration (%): Bottom 9.1% 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 9 that size in South Dakota.
Shares and deposits +20.3% year over year ($183M in shares and deposits).
Membership: 13,034 members, +8.9% vs a year ago.
Delinquency rate 0.29%.
Return on assets 0.81%.
Efficiency ratio 73.77% vs a 76.73% peer average.
Loan-to-share ratio 94.38% 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 (SD)	National Avg	Tier Percentile
Members	13,034 +8.9% YoY+2.9% QoQ	-2.1K	15,168 -2.6% YoY	10,596 +0.4% YoY	34,678 +6.6% YoY	50%
Assets	$204.9M +16.7% YoY+4.2% QoQ	$-27.1M	$232.0M +0.7% YoY	$187.3M +5.8% YoY	$593.1M +10.2% YoY	52%
Loans	$172.9M +26.9% YoY+7.3% QoQ	+$26.6M	$146.3M +0.2% YoY	$126.7M +3.4% YoY	$418.6M +10.1% YoY	68%
Deposits	$183.2M +20.3% YoY+4.5% QoQ	$-17.5M	$200.7M +0.2% YoY	$165.1M +5.0% YoY	$504.8M +10.3% YoY	54%

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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% -23.7% YoY-4.0% QoQ	-0.1%	0.9% +12.5% YoY	1.2% +16.4% YoY	1.2% +121.4% YoY	54%
NIM	3.9% -1.9% YoY+1.8% QoQ	+0.2%	3.7% +4.5% YoY	4.3% +7.8% YoY	3.8% +2.3% YoY	66%
Efficiency Ratio	73.8% -1.3% YoY-0.6% QoQ	-3.0%	76.7% -0.8% YoY	77.2% -0.2% YoY	83.0% -5.3% YoY	38%
Delinquency Rate	0.3% -44.1% YoY-26.9% QoQ	-0.6	0.9% +6.6% YoY	1.0% +21.8% YoY	1.3% +2.6% YoY	18%
Loan To Share	94.4% +5.5% YoY+2.7% QoQ	+22.8%	71.5% -0.3% YoY	72.5% -0.5% YoY	66.4% -1.4% YoY	Top 6.6% in tier
AMR	$27,319 +13.4% YoY+2.9% QoQ	+$2K	$25,107 +3.2% YoY	$22,000 +3.5% YoY	$20,028 -0.9% YoY	71%
CD Concentration	39.0% +24.3% YoY-0.6% QoQ	+14.4%	24.6%	29.4%	20.0%	50%
Indirect Auto %	27.5% +15.9% YoY+1.0% QoQ	+13.9%	13.6%	8.1%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#66 of 483 • 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): 13.37%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Emerging Performer

growth

#55 of 175 • 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: 0.81%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 8.89%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Concerns (3)

Liquidity Strain

risk

#48 of 224 • 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: 94.38%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 26.92%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#141 of 476 • 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): 16.75%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 27.53%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 8.89%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Margin Compression

decline

#116 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.81%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.06%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 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 1024 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 26.92%

Peer Median: 3.02%

#13 of 1024 Top 1.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 20.34%

Peer Median: 3.58%

#15 of 1024 Top 1.4% in 100M-500M tier

Asset Growth Rate

growth

Value: 16.75%

Peer Median: 4.12%

#26 of 1024 Top 2.4% in 100M-500M tier

Member Growth Rate

growth

Value: 8.89%

Peer Median: -0.03%

#42 of 1024 Top 4.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.37%

Peer Median: 3.53%

#53 of 1024 Top 5.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.38%

Peer Median: 73.07%

#68 of 1024 Top 6.5% in 100M-500M tier

182

Loan-to-Member Ratio (LMR)

engagement

Value: $13,264

Peer Median: $9,434

#182 of 1024 Top 17.7% in 100M-500M tier

188

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.71%

#188 of 1024 Top 18.3% in 100M-500M tier

Top Weaknesses (3 metrics)

932

Share Certificate Concentration (%)

balance_sheet

Value: 38.96%

Peer Median: 23.39%

#932 of 1024 Bottom 9.1% in 100M-500M tier

842

Indirect Auto Concentration (%)

balance_sheet

Value: 27.53%

Peer Median: 6.15%

#842 of 1024 Bottom 17.9% in 100M-500M tier

824

Net Worth Ratio

risk

Value: 9.57%

Peer Median: 11.71%

#824 of 1024 Bottom 19.6% in 100M-500M tier