BlastPoint's Credit Union Scorecard
NORTHERN SKIES
Charter #18204 · AK
NORTHERN SKIES has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.4% in tier
- + Organic Growth Leader: Top 13.8% in tier
- + Emerging Performer: Top 41.0% in tier
- + Profitability Leader: Top 71.4% in tier
- + Wallet Share Momentum: Top 74.6% in tier
- + ROA 0.49% above tier average
- + Net Interest Margin 0.88% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 22.1% in tier
- - Share Certificate Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,912
+2.9% YoY+0.9% QoQ
|
-1.7K |
15,628
-3.4% YoY
|
113,900
+3.3% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$220.7M
+9.0% YoY+4.9% QoQ
|
$-10.6M |
$231.3M
-0.0% YoY
|
$1.8B
+11.8% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$172.1M
+10.1% YoY+2.9% QoQ
|
+$24.3M |
$147.8M
-1.4% YoY
|
$1.5B
+8.8% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$188.7M
+8.4% YoY+4.7% QoQ
|
$-11.5M |
$200.3M
-0.0% YoY
|
$1.6B
+14.4% YoY
|
$464.6M
+9.3% YoY
|
56% |
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 |
1.3%
+3.4% YoY+1.9% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.6%
+34.6% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
4.5%
+2.3% YoY-0.6% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
4.2%
+5.6% YoY
|
3.7%
+5.0% YoY
|
Top 9.8% in tier |
| Efficiency Ratio |
71.9%
-1.5% YoY-0.7% QoQ
|
-5.3% |
77.3%
-3.0% YoY
|
78.1%
-3.3% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.5%
-14.2% YoY-22.2% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.8%
-14.6% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
91.2%
+1.5% YoY-1.7% QoQ
|
+18.5% |
72.7%
-1.5% YoY
|
77.0%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Top 13.7% in tier |
| AMR |
$25,939
+6.1% YoY+2.9% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$25,886
+3.8% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
45.5%
-2.0% YoY-1.4% QoQ
|
+21.1% |
24.4%
+4.2% YoY
|
21.9%
+3.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.6%
-2.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)