BlastPoint's Credit Union Scorecard

MINOT AREA SCHOOLS

Charter #8943 · ND

<100M

2508 CUs in <100M nationally 17 in ND

MINOT AREA SCHOOLS faces 2 concerns requiring attention

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 3.5% in tier
- Net Worth Ratio: Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	1,175 +0.8% YoY-0.1% QoQ	-1.5K	2,676 +1.6% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	33%
Assets	$15.0M +6.8% YoY+3.8% QoQ	$-15.2M	$30.2M +1.3% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	41%
Loans	$5.4M -10.0% YoY-4.6% QoQ	$-9.9M	$15.3M -2.0% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	36%
Deposits	$13.6M +6.7% YoY+4.0% QoQ	$-12.1M	$25.8M +0.7% YoY	$173.7M +3.7% YoY	$494.3M +9.1% YoY	43%

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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	0.2% -69.9% YoY-72.3% QoQ	+0.0%	0.1% -77.6% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	28%
NIM	2.0% -12.0% YoY-13.2% QoQ	-2.0%	4.0% +4.0% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	Bottom 3.4% in tier
Efficiency Ratio	87.4% +13.8% YoY+18.1% QoQ	-3.2%	90.6% +6.5% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.1% -60.9% QoQ	-1.4	1.5% +3.8% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	24%
Loan To Share	39.3% -15.6% YoY-8.3% QoQ	-19.2%	58.5% -3.0% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	21%
AMR	$16,176 +0.6% YoY+1.5% QoQ	+$1K	$14,884 -1.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	61%
CD Concentration	26.4% +16.0% YoY-5.3% QoQ	+2.1%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

398

Asset Growth Rate

growth

Value: 6.75%

Peer Median: 1.30%

#398 of 2508 Top 15.8% in <100M tier

417

Deposit Growth Rate

growth

Value: 6.71%

Peer Median: 0.66%

#417 of 2508 Top 16.6% in <100M tier

606

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.65%

#606 of 2508 Top 24.1% in <100M tier

Top Weaknesses (5 metrics)

2422

Net Interest Margin (NIM)

profitability

Value: 1.98%

Peer Median: 3.83%

#2422 of 2508 Bottom 3.5% in <100M tier

2282

Net Worth Ratio

risk

Value: 8.79%

Peer Median: 14.28%

#2282 of 2508 Bottom 9.1% in <100M tier

1976

Loan-to-Share Ratio

balance_sheet

Value: 39.35%

Peer Median: 58.72%

#1976 of 2508 Bottom 21.3% in <100M tier

1945

Loan Growth Rate

growth

Value: -9.96%

Peer Median: -2.36%

#1945 of 2508 Bottom 22.5% in <100M tier

1938

Share Certificate Concentration (%)

balance_sheet

Value: 26.41%

Peer Median: 12.45%

#1938 of 2508 Bottom 22.8% in <100M tier