BlastPoint's Credit Union Scorecard

NORTH SHORE

Charter #18473 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

NORTH SHORE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.34% above tier average
+ Strong member growth: 5.5% YoY
+ Net Charge-Off Rate: Top 7.9% in tier
+ Member Growth Rate: Top 8.6% in tier
+ Loan-to-Member Ratio (LMR): Top 9.7% 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
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.14% below tier average
- Efficiency ratio 8.40% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	13,976 +5.5% YoY+0.9% QoQ	-1.2K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	54%
Assets	$281.6M +0.2% YoY-0.3% QoQ	+$49.8M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	70%
Loans	$217.2M +10.3% YoY-1.1% QoQ	+$73.0M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	81%
Deposits	$244.3M -0.6% YoY-0.2% QoQ	+$43.2M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	69%

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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	0.6% +181.1% YoY-7.3% QoQ	-0.1%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	42%
NIM	4.0% +18.4% YoY+6.3% QoQ	+0.3%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	86.4% -6.1% YoY+2.0% QoQ	+8.4%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.6% +59.5% YoY+92.9% QoQ	-0.1	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	52%
Loan To Share	88.9% +11.0% YoY-0.9% QoQ	+18.5%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	Top 12.7% in tier
AMR	$33,019 -1.2% YoY-1.5% QoQ	+$8K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	Top 12.4% in tier
CD Concentration	24.1% -6.4% YoY+1.5% QoQ	-0.2%	24.3%	22.6%	19.8%	50%
Indirect Auto %	16.8% -9.1% YoY-2.0% QoQ	+3.0%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Risk Growth

risk

#92 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): 10.31%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.24% 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

#298 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): 0.24% 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 worsening

Efficiency Drag

risk

#482 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.42%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.38% points

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

but better than tier avg

Member Growth (YoY): 5.53%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#193 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.23%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Deposit Outflow

decline

#65 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.64%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 5.53%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Indirect Auto Dependency

risk

#500 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.16%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.84%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.53%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.35%

#86 of 1070 Top 7.9% in 100M-500M tier

Member Growth Rate

growth

Value: 5.53%

Peer Median: -0.06%

#93 of 1070 Top 8.6% in 100M-500M tier

105

Loan-to-Member Ratio (LMR)

engagement

Value: $15,538

Peer Median: $9,356

#105 of 1070 Top 9.7% in 100M-500M tier

133

Average Member Relationship (AMR)

engagement

Value: $33,019

Peer Median: $22,931

#133 of 1070 Top 12.3% in 100M-500M tier

136

Loan-to-Share Ratio

balance_sheet

Value: 88.89%

Peer Median: 71.88%

#136 of 1070 Top 12.6% in 100M-500M tier

168

Loan Growth Rate

growth

Value: 10.31%

Peer Median: 2.93%

#168 of 1070 Top 15.6% in 100M-500M tier

202

Total Loans

balance_sheet

Value: $217.16M

Peer Median: $121.41M

#202 of 1070 Top 18.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1046

Members Per Employee (MPE)

engagement

Value: 186.347

Peer Median: 309.176

#1046 of 1070 Bottom 2.3% in 100M-500M tier

910

AMR Growth Rate

growth

Value: -1.23%

Peer Median: 3.46%

#910 of 1070 Bottom 15.0% in 100M-500M tier

910

First Mortgage Concentration (%)

balance_sheet

Value: 49.13%

Peer Median: 29.47%

#910 of 1070 Bottom 15.0% in 100M-500M tier

891

Deposit Growth Rate

growth

Value: -0.64%

Peer Median: 3.30%

#891 of 1070 Bottom 16.8% in 100M-500M tier

869

Asset Growth Rate

growth

Value: 0.16%

Peer Median: 3.91%

#869 of 1070 Bottom 18.9% in 100M-500M tier

814

Efficiency Ratio

profitability

Value: 86.42%

Peer Median: 78.68%

#814 of 1070 Bottom 24.0% in 100M-500M tier