BlastPoint's Credit Union Scorecard
F.F.E.
Charter #9102 · ND
2556 CUs in <100M nationally
17 in ND
F.F.E. has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 19.44% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Net Interest Margin (NIM): Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 6.7% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Deposit Growth Rate: Bottom 7.4% in tier
- - Loan Growth Rate: Bottom 7.6% in tier
- - Total Loans: Bottom 9.2% in tier
- - AMR Growth Rate: Bottom 9.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
443
-4.1% YoY-0.7% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 12.2% in tier |
| Assets |
$3.5M
-8.5% YoY-0.5% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.5% in tier |
| Loans |
$746,871
-17.7% YoY+10.7% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.2% in tier |
| Deposits |
$3.0M
-9.7% YoY-0.6% QoQ
|
$-22.6M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-0.0%
-95.6% YoY+1834.3% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 15.0% in tier |
| NIM |
2.2%
+73.7% YoY-1.2% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio |
102.0%
-42.8% YoY+1.9% QoQ
|
+19.4% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
24.6%
-8.9% YoY+11.3% QoQ
|
-36.0% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.6% in tier |
| AMR |
$8,545
-7.6% YoY+2.1% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 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)
Top Strengths (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (17 metrics)
2428
Net Interest Margin (NIM)
profitability
Value:
2.16%
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2387
Asset Growth Rate
growth
Value:
-8.45%
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2386
Loan-to-Share Ratio
balance_sheet
Value:
24.58%
Peer Median: -
#2386 of 2556
Bottom 6.7% in <100M tier
2368
Deposit Growth Rate
growth
Value:
-9.72%
Peer Median: -
#2368 of 2556
Bottom 7.4% in <100M tier
2363
Loan Growth Rate
growth
Value:
-17.74%
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2322
Total Loans
balance_sheet
Value:
$746,871
Peer Median: -
#2322 of 2556
Bottom 9.2% in <100M tier
2310
AMR Growth Rate
growth
Value:
-7.63%
Peer Median: -
#2310 of 2556
Bottom 9.7% in <100M tier
2309
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,686
Peer Median: -
#2309 of 2556
Bottom 9.7% in <100M tier
2305
Efficiency Ratio
profitability
Value:
102.00%
Peer Median: -
#2305 of 2556
Bottom 9.9% in <100M tier
2301
Fee Income Per Member
profitability
Value:
$2.60
Peer Median: -
#2301 of 2556
Bottom 10.0% in <100M tier