NORTH SHORE

Charter #18473 | MN

100M-500M (1077 CUs) Micro
31 100M-500M in MN

NORTH SHORE has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 4.3% in tier
  • + Organic Growth Engine: Top 17.3% in tier
  • + Relationship Depth Leader: Top 18.5% in tier
  • + Wallet Share Momentum: Top 34.2% in tier
  • + Net Interest Margin 0.06% above tier average
  • + Strong member growth: 6.1% YoY
  • + Member Growth Rate: Top 7.0% in tier
  • + Loan Growth Rate: Top 7.9% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 1.9% in tier
  • - Credit Quality Pressure: Bottom 8.5% in tier
  • - Efficiency Drag: Bottom 10.2% in tier
  • - Indirect Auto Dependency: Bottom 31.6% in tier
  • - Liquidity Overhang: Bottom 34.8% in tier
  • - ROA 0.31% below tier average
  • - Efficiency ratio 11.21% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 13,753
+6.1% YoY+1.5% QoQ
 -1.9K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 51st in tier
Assets $286.8M
+2.7% YoY+2.3% QoQ
 +$55.5M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $219.4M
+14.1% YoY+4.2% QoQ
 +$71.6M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Top 20.3% in tier
Deposits $250.1M
+2.2% YoY+2.2% QoQ
 +$49.8M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 71st in tier
ROA 0.5%
-7.0% YoY+33.2% QoQ
 -0.3% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 30th in tier
NIM 3.6%
+5.5% YoY+3.5% QoQ
 +0.1% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 54th in tier
Efficiency Ratio 88.5%
+1.6% YoY-2.2% QoQ
 +11.2% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Top 13.0% in tier
Delinquency Rate 0.4%
+907.3% YoY+55.2% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 87.7%
+11.6% YoY+2.0% QoQ
 +15.0% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 19.9% in tier
AMR $34,137
+1.2% YoY+1.7% QoQ
 +$10K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Top 10.4% in tier
CD Concentration 22.3%
-10.3% YoY-9.6% QoQ
 -2.1% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 18.1%
+0.8% YoY-6.2% QoQ
 +4.1% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#58 of 430 • Top 4.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 6.12%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#317 of 603 • Top 17.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.12%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.48%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 18.07%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#510 of 1006 • Top 18.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.25%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#943 of 1006 • Top 34.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.25%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Growth-at-Risk

risk
#29 of 446 • Bottom 1.9% in tier

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

Why This Signature
Loan Growth (YoY): 14.08%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.37% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#210 of 736 • Bottom 8.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.37% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#181 of 521 • Bottom 10.2% in tier

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

Why This Signature
Efficiency Ratio: 88.49%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.04% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 6.12%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#508 of 525 • Bottom 31.6% in tier

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

Why This Signature
Asset Growth (YoY): 2.72%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 18.07%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.12%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#539 of 552 • Bottom 34.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.12%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 87.73%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

76
Member Growth Rate
growth
Value: 6.12%
Peer Avg: 0.72%
#76 of 1077 Top 7.0% in 100M-500M tier
86
Loan Growth Rate
growth
Value: 14.08%
Peer Avg: 3.45%
#86 of 1077 Top 7.9% in 100M-500M tier
88
Loan-to-Member Ratio (LMR)
engagement
Value: $15,953
Peer Avg: $10,245
#88 of 1077 Top 8.1% in 100M-500M tier
110
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.47%
#110 of 1077 Top 10.1% in 100M-500M tier
112
Average Member Relationship (AMR)
engagement
Value: $34,137
Peer Avg: $24,363
#112 of 1077 Top 10.3% in 100M-500M tier
214
Loan-to-Share Ratio
balance_sheet
Value: 87.73%
Peer Avg: 72.70%
#214 of 1077 Top 19.8% in 100M-500M tier
219
Total Loans
balance_sheet
Value: $219.40M
Peer Avg: $147.80M
#219 of 1077 Top 20.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1046
Members Per Employee (MPE)
engagement
Value: 188.397
Peer Avg: 332.881
#1046 of 1077 Bottom 3.0% in 100M-500M tier
938
Efficiency Ratio
profitability
Value: 88.49%
Peer Avg: 77.28%
#938 of 1077 Bottom 13.0% in 100M-500M tier
876
First Mortgage Concentration (%)
balance_sheet
Value: 46.31%
Peer Avg: 30.43%
#876 of 1077 Bottom 18.8% in 100M-500M tier