BlastPoint's Credit Union Scorecard
MINOT AREA SCHOOLS
Charter #8943 · ND
MINOT AREA SCHOOLS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 5.9% in tier
- - Net Worth Ratio: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,176
+1.4% YoY-0.1% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$14.4M
+6.4% YoY+2.8% QoQ
|
$-15.7M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$5.6M
-8.6% YoY-2.0% QoQ
|
$-10.1M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$13.1M
+6.3% YoY+3.0% QoQ
|
$-12.6M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.6%
-55.0% YoY-3.5% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.3%
-14.5% YoY-4.2% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
74.1%
+30.0% YoY+0.5% QoQ
|
-8.5% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.3%
+916.3% YoY+437.7% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
42.9%
-14.0% YoY-4.8% QoQ
|
-17.7% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$15,933
-0.1% YoY+1.5% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
27.9%
+25.0% YoY+8.2% QoQ
|
+3.5% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)