BlastPoint's Credit Union Scorecard

NORTHERN HILLS

Charter #6986 · SD

100M-500M

1069 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 0.37% above tier average
+ Net Interest Margin 0.33% above tier average
+ Deposit Growth Rate: Top 2.7% in tier
+ AMR Growth Rate: Top 7.1% in tier
+ Loan Growth Rate: Top 7.7% in tier
+ Asset Growth Rate: Top 7.8% 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 9.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	12,288 +4.2% YoY+2.1% QoQ	-3.1K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	44%
Assets	$186.7M +12.0% YoY+5.2% QoQ	$-45.2M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	46%
Loans	$151.1M +15.0% YoY+7.3% QoQ	+$3.7M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	61%
Deposits	$166.0M +17.8% YoY+8.5% QoQ	$-34.8M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% YoY	48%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +56.5% YoY+0.4% QoQ	+0.4%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	76%
NIM	3.9% +4.5% YoY-2.2% QoQ	+0.3%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	68%
Efficiency Ratio	71.8% -6.5% YoY-0.4% QoQ	-5.2%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	29%
Delinquency Rate	0.5% -27.5% YoY-1.1% QoQ	-0.4	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	28%
Loan To Share	91.0% -2.4% YoY-1.1% QoQ	+18.8%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	Top 12.3% in tier
AMR	$25,806 +11.7% YoY+5.7% QoQ	+$1K	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	66%
CD Concentration	39.1% +34.6% YoY+15.8% QoQ	+14.7%	24.4%	29.0%	19.8%	50%
Indirect Auto %	25.3% +0.2% YoY+6.5% QoQ	+11.5%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#98 of 513 • 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): 11.73%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Emerging Performer

growth

#63 of 182 • 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: 1.13%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 4.24%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#174 of 506 • 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): 11.95%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 25.31%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.24%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Liquidity Strain

risk

#141 of 228 • 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: 91.00%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 15.01%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (8 metrics)

Deposit Growth Rate

growth

Value: 17.82%

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.73%

Peer Median: -

#77 of 1069 Top 7.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.01%

Peer Median: -

#83 of 1069 Top 7.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.95%

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

131

Loan-to-Share Ratio

balance_sheet

Value: 91.00%

Peer Median: -

#131 of 1069 Top 12.2% in 100M-500M tier

134

Member Growth Rate

growth

Value: 4.24%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

239

Loan-to-Member Ratio (LMR)

engagement

Value: $12,295

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

256

Return on Assets (ROA)

profitability

Value: 1.13%

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (2 metrics)

972

Share Certificate Concentration (%)

balance_sheet

Value: 39.11%

Peer Median: -

#972 of 1069 Bottom 9.2% in 100M-500M tier

849

Indirect Auto Concentration (%)

balance_sheet

Value: 25.31%

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier