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 1.40% below tier average
- - Efficiency ratio 15.36% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - Net Interest Margin (NIM): Bottom 4.8% in tier
- - Loan-to-Share Ratio: Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
- - Total Loans: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +8.6% year over year ($3.2M in shares and deposits).
- Membership: 442 members, -2.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.09%.
- Efficiency ratio 104.13% vs a 88.77% peer average.
- Loan-to-share ratio 19.82% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
442
-2.2% YoY0% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 12.1% in tier |
| Assets |
$3.8M
+7.2% YoY+6.0% QoQ
|
$-26.5M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.8% in tier |
| Loans |
$642,986
-3.1% YoY+2.1% QoQ
|
$-14.8M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.7% in tier |
| Deposits |
$3.2M
+8.6% YoY+7.0% QoQ
|
$-22.6M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
16% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
+30.0% YoY-149.6% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.8% in tier |
| NIM |
2.2%
+3.6% YoY+3.7% QoQ
|
-1.7% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
104.1%
+7.7% YoY-4.1% QoQ
|
+15.4% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
19.8%
-10.7% YoY-4.6% QoQ
|
-39.1% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.1% in tier |
| AMR |
$8,796
+8.9% YoY+6.2% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 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)