BlastPoint's Credit Union Scorecard

NORTH SHORE

Charter #18473 · MN

100M-500M

1024 CUs in 100M-500M nationally 31 in MN

NORTH SHORE has 3 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 0.27% above tier average
+ Loan-to-Member Ratio (LMR): Top 9.4% in tier
+ Member Growth Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.27% below tier average
- Efficiency ratio 8.96% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
Shares and deposits +0.9% year over year ($247M in shares and deposits).
Membership: 14,189 members, +4.7% vs a year ago.
Delinquency rate 0.33%.
Return on assets 0.60%.
Efficiency ratio 85.69% vs a 76.73% peer average.
Loan-to-share ratio 91.87% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	14,189 +4.7% YoY+1.5% QoQ	-979	15,168 -2.6% YoY	22,911 -12.6% YoY	34,678 +6.6% YoY	55%
Assets	$284.8M +1.6% YoY+1.1% QoQ	+$52.8M	$232.0M +0.7% YoY	$439.2M -13.6% YoY	$593.1M +10.2% YoY	71%
Loans	$226.7M +7.7% YoY+4.4% QoQ	+$80.4M	$146.3M +0.2% YoY	$304.0M -16.2% YoY	$418.6M +10.1% YoY	82%
Deposits	$246.7M +0.9% YoY+1.0% QoQ	+$46.0M	$200.7M +0.2% YoY	$366.9M -12.4% YoY	$504.8M +10.3% YoY	71%

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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% +67.0% YoY+2.1% QoQ	-0.3%	0.9% +12.5% YoY	1.8% -6.5% YoY	1.2% +121.4% YoY	37%
NIM	4.0% +12.4% YoY-0.3% QoQ	+0.3%	3.7% +4.5% YoY	3.8% +5.6% YoY	3.8% +2.3% YoY	68%
Efficiency Ratio	85.7% -5.3% YoY-0.8% QoQ	+9.0%	76.7% -0.8% YoY	101.1% +34.5% YoY	83.0% -5.3% YoY	78%
Delinquency Rate	0.3% +24.6% YoY-48.3% QoQ	-0.6	0.9% +6.6% YoY	1.0% +6.0% YoY	1.3% +2.6% YoY	21%
Loan To Share	91.9% +6.8% YoY+3.4% QoQ	+20.3%	71.5% -0.3% YoY	75.4% -1.3% YoY	66.4% -1.4% YoY	Top 11.3% in tier
AMR	$33,365 -0.6% YoY+1.0% QoQ	+$8K	$25,107 +3.2% YoY	$23,990 +3.7% YoY	$20,028 -0.9% YoY	Top 12.6% in tier
CD Concentration	23.9% -3.2% YoY-0.5% QoQ	-0.6%	24.6%	21.9%	20.0%	50%
Indirect Auto %	15.4% -20.1% YoY-8.6% QoQ	+1.8%	13.6%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Risk Growth

risk

#305 of 472 • 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): 7.70%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Efficiency Drag

risk

#376 of 531 • 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: 85.69%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 4.68%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Liquidity Strain

risk

#163 of 224 • 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: 91.87%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.70%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Credit Quality Pressure

risk

#556 of 693 • 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): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#212 of 223 • 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): -0.63%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#474 of 476 • 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): 1.58%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 15.39%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 4.68%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (7 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $15,976

Peer Median: $9,434

#97 of 1024 Top 9.4% in 100M-500M tier

103

Member Growth Rate

growth

Value: 4.68%

Peer Median: -0.03%

#103 of 1024 Top 10.0% in 100M-500M tier

111

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.34%

#111 of 1024 Top 10.7% in 100M-500M tier

116

Loan-to-Share Ratio

balance_sheet

Value: 91.87%

Peer Median: 73.07%

#116 of 1024 Top 11.2% in 100M-500M tier

129

Average Member Relationship (AMR)

engagement

Value: $33,365

Peer Median: $23,006

#129 of 1024 Top 12.5% in 100M-500M tier

181

Total Loans

balance_sheet

Value: $226.68M

Peer Median: $124.04M

#181 of 1024 Top 17.6% in 100M-500M tier

215

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.71%

#215 of 1024 Top 20.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1004

Members Per Employee (MPE)

engagement

Value: 179.608

Peer Median: 310.924

#1004 of 1024 Bottom 2.1% in 100M-500M tier

898

First Mortgage Concentration (%)

balance_sheet

Value: 51.45%

Peer Median: 29.92%

#898 of 1024 Bottom 12.4% in 100M-500M tier

850

AMR Growth Rate

growth

Value: -0.63%

Peer Median: 3.53%

#850 of 1024 Bottom 17.1% in 100M-500M tier

801

Efficiency Ratio

profitability

Value: 85.69%

Peer Median: 77.26%

#801 of 1024 Bottom 21.9% in 100M-500M tier