BlastPoint's Credit Union Scorecard
NORSTAR
Charter #4951 · SD
NORSTAR demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Loan Growth Rate: Top 5.9% in tier
- + Total Loans: Top 6.5% in tier
- + Net Charge-Off Rate: Top 7.4% in tier
- + Efficiency Ratio: Top 8.0% in tier
- + AMR Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,790
+0.4% YoY+0.1% QoQ
|
+164 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$73.2M
+7.4% YoY+0.2% QoQ
|
+$43.4M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
Top 10.5% in tier |
| Loans |
$47.7M
+15.2% YoY+5.1% QoQ
|
+$31.9M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
Top 6.5% in tier |
| Deposits |
$62.0M
+7.4% YoY+0.2% QoQ
|
+$36.6M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
Top 11.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.9%
+32.7% YoY+14.2% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
Top 11.7% in tier |
| NIM |
3.7%
+27.2% YoY+3.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
53.2%
-7.8% YoY-6.4% QoQ
|
-28.2% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
0.0%
-80.7% YoY-91.5% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
76.8%
+7.3% YoY+4.8% QoQ
|
+15.6% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$39,305
+10.2% YoY+2.1% QoQ
|
+$25K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 1.2% in tier |
| CD Concentration |
30.8%
-2.4% YoY+2.9% QoQ
|
+6.4% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)