BlastPoint's Credit Union Scorecard

NORTHERN SKIES

Charter #18204 · AK

100M-500M

1070 CUs in 100M-500M nationally 5 in AK

NORTHERN SKIES has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.26% above tier average
+ Net Interest Margin 0.81% above tier average
+ First Mortgage Concentration (%): Top 4.5% in tier
+ Loan-to-Share Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.13% above tier average
- Share Certificate Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	13,846 +2.0% YoY+1.0% QoQ	-1.3K	15,145 -2.5% YoY	114,751 +3.4% YoY	33,913 +5.7% YoY	53%
Assets	$222.6M +7.6% YoY+1.7% QoQ	$-9.1M	$231.7M +0.8% YoY	$1.8B +8.8% YoY	$578.3M +9.0% YoY	57%
Loans	$172.9M +9.5% YoY-1.0% QoQ	+$28.8M	$144.1M +0.2% YoY	$1.4B +7.7% YoY	$402.4M +8.7% YoY	69%
Deposits	$189.0M +6.8% YoY+1.9% QoQ	$-12.1M	$201.1M +0.4% YoY	$1.6B +10.3% YoY	$494.3M +9.1% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -13.9% YoY-25.4% QoQ	+0.3%	0.7% +5.1% YoY	0.8% +12.2% YoY	0.4% -39.2% YoY	70%
NIM	4.4% +1.2% YoY-0.6% QoQ	+0.8%	3.6% +4.6% YoY	4.2% +5.3% YoY	3.8% +4.1% YoY	Top 10.8% in tier
Efficiency Ratio	75.7% +1.4% YoY+7.0% QoQ	-2.3%	78.0% -1.7% YoY	77.7% -1.8% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	0.9% +21.8% YoY-0.9% QoQ	+0.1	0.8% +7.1% YoY	0.8% +11.5% YoY	1.2% +3.4% YoY	71%
Loan To Share	91.5% +2.5% YoY-2.8% QoQ	+21.1%	70.4% -0.4% YoY	75.0% -0.5% YoY	65.6% -1.4% YoY	Top 9.4% in tier
AMR	$26,141 +6.0% YoY-0.5% QoQ	+$1K	$24,918 +2.7% YoY	$26,073 +2.2% YoY	$19,920 +1.6% YoY	67%
CD Concentration	47.1% +1.7% YoY+1.5% QoQ	+22.8%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	15.3%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#118 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.95%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.99%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#232 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.95%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#121 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.99%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.95%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth

#378 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.99%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#153 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.47%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#387 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Liquidity Strain

risk

#127 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.48%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.47%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Margin Compression

decline

#107 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.99%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.15%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 3.54%

Peer Median: 29.47%

#49 of 1070 Top 4.5% in 100M-500M tier

101

Loan-to-Share Ratio

balance_sheet

Value: 91.48%

Peer Median: 71.88%

#101 of 1070 Top 9.3% in 100M-500M tier

116

Net Interest Margin (NIM)

profitability

Value: 4.44%

Peer Median: 3.62%

#116 of 1070 Top 10.7% in 100M-500M tier

205

Loan Growth Rate

growth

Value: 9.47%

Peer Median: 2.93%

#205 of 1070 Top 19.1% in 100M-500M tier

221

Loan-to-Member Ratio (LMR)

engagement

Value: $12,489

Peer Median: $9,356

#221 of 1070 Top 20.6% in 100M-500M tier

222

Asset Growth Rate

growth

Value: 7.61%

Peer Median: 3.91%

#222 of 1070 Top 20.7% in 100M-500M tier

251

Deposit Growth Rate

growth

Value: 6.80%

Peer Median: 3.30%

#251 of 1070 Top 23.4% in 100M-500M tier

Top Weaknesses (2 metrics)

1043

Share Certificate Concentration (%)

balance_sheet

Value: 47.12%

Peer Median: 23.10%

#1043 of 1070 Bottom 2.6% in 100M-500M tier

959

Members Per Employee (MPE)

engagement

Value: 226.984

Peer Median: 309.176

#959 of 1070 Bottom 10.5% in 100M-500M tier