BlastPoint's Credit Union Scorecard
F.F.E.
Charter #9102 · ND
F.F.E. has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 18.00% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Net Interest Margin (NIM): Bottom 4.5% in tier
- - Loan-to-Share Ratio: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
- - Total Loans: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
442
-2.9% YoY-0.2% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 12.1% in tier |
| Assets |
$3.5M
-6.1% YoY-0.2% QoQ
|
$-26.7M |
$30.2M
+1.3% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.4% in tier |
| Loans |
$629,794
-18.2% YoY-15.7% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.0% in tier |
| Deposits |
$3.0M
-7.0% YoY-0.2% QoQ
|
$-22.7M |
$25.8M
+0.7% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
-0.2%
-223.7% YoY
|
-0.3% |
0.1%
-77.6% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
2.1%
+3.4% YoY-0.7% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio |
108.6%
+17.1% YoY+6.5% QoQ
|
+18.0% |
90.6%
+6.5% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
20.8%
-12.0% YoY-15.5% QoQ
|
-37.7% |
58.5%
-3.0% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.4% in tier |
| AMR |
$8,286
-6.4% YoY-3.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.7% | 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)