BlastPoint's Credit Union Scorecard

NORTH SHORE

Charter #18473 · MN

100M-500M

1069 CUs in 100M-500M nationally 31 in MN

NORTH SHORE has 6 strengths but faces 7 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Net Interest Margin 0.13% above tier average
+ Strong member growth: 6.3% YoY
+ Member Growth Rate: Top 6.5% in tier
+ Loan Growth Rate: Top 7.3% in tier
+ Loan-to-Member Ratio (LMR): Top 8.3% 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
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.13% below tier average
- Efficiency ratio 7.68% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 1.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	13,848 +6.3% YoY+0.7% QoQ	-1.6K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	52%
Assets	$282.4M +2.0% YoY-1.5% QoQ	+$50.5M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	70%
Loans	$219.5M +15.3% YoY+0.1% QoQ	+$72.2M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	80%
Deposits	$244.8M +1.3% YoY-2.1% QoQ	+$44.0M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	70%

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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% +4.2% YoY+32.6% QoQ	-0.1%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	41%
NIM	3.7% +9.0% YoY+2.5% QoQ	+0.1%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	58%
Efficiency Ratio	84.7% -0.2% YoY-4.3% QoQ	+7.7%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.3% +227.9% YoY-19.5% QoQ	-0.6	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	18%
Loan To Share	89.7% +13.8% YoY+2.2% QoQ	+17.4%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	Top 15.0% in tier
AMR	$33,530 +1.1% YoY-1.8% QoQ	+$9K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	Top 11.3% in tier
CD Concentration	23.7% -8.1% YoY+6.1% QoQ	-0.7%	24.4%	22.0%	19.8%	50%
Indirect Auto %	17.2% -1.7% YoY-5.0% QoQ	+3.4%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#266 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.08%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#69 of 456 • 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): 15.27%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#325 of 705 • 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): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#260 of 538 • 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: 84.69%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 6.29%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#502 of 506 • 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): 2.03%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 17.17%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 6.29%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 6.29%

Peer Median: -

#71 of 1069 Top 6.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.27%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,852

Peer Median: -

#90 of 1069 Top 8.3% in 100M-500M tier

121

Average Member Relationship (AMR)

engagement

Value: $33,530

Peer Median: -

#121 of 1069 Top 11.2% in 100M-500M tier

141

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: -

#141 of 1069 Top 13.1% in 100M-500M tier

160

Loan-to-Share Ratio

balance_sheet

Value: 89.67%

Peer Median: -

#160 of 1069 Top 14.9% in 100M-500M tier

197

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: -

#197 of 1069 Top 18.3% in 100M-500M tier

210

Total Loans

balance_sheet

Value: $219.51M

Peer Median: -

#210 of 1069 Top 19.6% in 100M-500M tier

Top Weaknesses (4 metrics)

1052

Members Per Employee (MPE)

engagement

Value: 177.538

Peer Median: -

#1052 of 1069 Bottom 1.7% in 100M-500M tier

886

First Mortgage Concentration (%)

balance_sheet

Value: 47.47%

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

831

Efficiency Ratio

profitability

Value: 84.69%

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier

808

Deposit Growth Rate

growth

Value: 1.27%

Peer Median: -

#808 of 1069 Bottom 24.5% in 100M-500M tier