NORTHERN SKIES

Charter #18204 | AK

100M-500M (1077 CUs) Micro
5 100M-500M in AK

NORTHERN SKIES has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 3.5% in tier
  • + Organic Growth Engine: Top 4.4% in tier
  • + Wallet Share Momentum: Top 13.0% in tier
  • + Relationship Depth Leader: Top 13.4% in tier
  • + Organic Growth Leader: Top 13.8% 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
  • - Liquidity Overhang: Bottom 32.3% 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
 52nd in tier
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
 57th in tier
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
 68th in tier
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
 56th in tier
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
 Top 18.8% in tier
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
 31st in tier
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
 39th in tier
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
 69th in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 15.6%
-2.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#66 of 627 • Top 3.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.27%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#81 of 603 • Top 4.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.27%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#359 of 1006 • Top 13.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.11%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#371 of 1006 • Top 13.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.11%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#183 of 430 • Top 13.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#172 of 258 • Bottom 22.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.19%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.07%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Liquidity Overhang

risk
#501 of 552 • Bottom 32.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.00%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.19%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
58
First Mortgage Concentration (%)
balance_sheet
Value: 4.19%
Peer Avg: 30.43%
#58 of 1077 Top 5.3% in 100M-500M tier
106
Net Interest Margin (NIM)
profitability
Value: 4.46%
Peer Avg: 3.58%
#106 of 1077 Top 9.7% in 100M-500M tier
148
Loan-to-Share Ratio
balance_sheet
Value: 91.19%
Peer Avg: 72.70%
#148 of 1077 Top 13.6% in 100M-500M tier
160
Loan Growth Rate
growth
Value: 10.07%
Peer Avg: 3.45%
#160 of 1077 Top 14.8% in 100M-500M tier
168
Asset Growth Rate
growth
Value: 8.98%
Peer Avg: 4.70%
#168 of 1077 Top 15.5% in 100M-500M tier
192
Deposit Growth Rate
growth
Value: 8.42%
Peer Avg: 4.69%
#192 of 1077 Top 17.7% in 100M-500M tier
203
Return on Assets (ROA)
profitability
Value: 1.27%
Peer Avg: 0.79%
#203 of 1077 Top 18.8% in 100M-500M tier
224
Member Growth Rate
growth
Value: 2.91%
Peer Avg: 0.72%
#224 of 1077 Top 20.7% in 100M-500M tier
236
Loan-to-Member Ratio (LMR)
engagement
Value: $12,372
Peer Avg: $10,245
#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (2 metrics)

1043
Share Certificate Concentration (%)
balance_sheet
Value: 45.48%
Peer Avg: 23.61%
#1043 of 1077 Bottom 3.2% in 100M-500M tier
952
Members Per Employee (MPE)
engagement
Value: 231.867
Peer Avg: 332.881
#952 of 1077 Bottom 11.7% in 100M-500M tier