BlastPoint's Credit Union Scorecard
NORTHERN SKIES
Charter #18204 · AK
NORTHERN SKIES has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.0% in tier
- + Emerging Performer: Top 44.8% in tier
- + Organic Growth Leader: Top 60.0% in tier
- + Wallet Share Momentum: Top 88.7% in tier
- + ROA 0.57% above tier average
- + Net Interest Margin 0.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 4.1% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28.1% in tier
- - Liquidity Strain: Bottom 37.4% in tier
- - Credit Quality Pressure: Bottom 60.2% in tier
- - Delinquency rate 0.02% above tier average
- - Share Certificate Concentration (%): Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,709
+2.0% YoY-1.5% QoQ
|
-1.7K |
15,437
-2.9% YoY
|
113,831
+3.1% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$218.8M
+6.3% YoY-0.9% QoQ
|
$-13.1M |
$231.9M
+1.3% YoY
|
$1.8B
+10.4% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$174.6M
+11.3% YoY+1.5% QoQ
|
+$27.3M |
$147.3M
-0.1% YoY
|
$1.5B
+8.8% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$185.6M
+4.6% YoY-1.7% QoQ
|
$-15.2M |
$200.8M
+0.8% YoY
|
$1.6B
+11.8% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
1.3%
+7.2% YoY+4.3% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.6%
+35.7% YoY
|
0.7%
+15.9% YoY
|
Top 15.0% in tier |
| NIM |
4.5%
+2.7% YoY+0.1% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
4.2%
+5.1% YoY
|
3.8%
+5.1% YoY
|
Top 10.2% in tier |
| Efficiency Ratio |
70.8%
-2.6% YoY-1.6% QoQ
|
-6.3% |
77.0%
-3.1% YoY
|
78.5%
-3.0% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.9%
+19.9% YoY+73.9% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
0.9%
-6.6% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
94.1%
+6.4% YoY+3.2% QoQ
|
+21.9% |
72.2%
-1.1% YoY
|
75.9%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Top 7.8% in tier |
| AMR |
$26,274
+5.6% YoY+1.3% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$26,046
+3.3% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
46.4%
+2.9% YoY+2.1% QoQ
|
+22.0% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 15.8% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)