BlastPoint's Credit Union Scorecard
NORSTAR
Charter #4951 · SD
NORSTAR demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.04% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Total Loans: Top 6.8% in tier
- + Net Charge-Off Rate: Top 7.0% in tier
- + Efficiency Ratio: Top 8.3% in tier
- + Loan Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,791
+1.0% YoY+0.0% QoQ
|
+175 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$74.9M
+3.8% YoY+2.3% QoQ
|
+$44.8M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
Top 10.0% in tier |
| Loans |
$46.8M
+11.9% YoY-1.7% QoQ
|
+$31.1M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
Top 6.8% in tier |
| Deposits |
$63.5M
+2.7% YoY+2.4% QoQ
|
+$37.8M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
Top 10.3% 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 |
1.7%
+33.9% YoY-10.8% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Top 12.1% in tier |
| NIM |
3.5%
+26.7% YoY-4.7% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
56.5%
-7.7% YoY+6.1% QoQ
|
-26.1% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
Top 8.3% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
73.7%
+8.9% YoY-4.1% QoQ
|
+13.1% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$39,537
+5.3% YoY+0.6% QoQ
|
+$25K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 1.3% in tier |
| CD Concentration |
30.2%
+1.5% YoY-2.2% QoQ
|
+5.7% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)