BlastPoint's Credit Union Scorecard

TRUE NORTH

Charter #5892 · AK

1077 CUs in 100M-500M nationally 5 in AK

TRUE NORTH has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 31.9% in tier
+ Relationship Depth Leader: Top 65.6% in tier
+ Net Interest Margin 0.92% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.9% in tier
- Indirect Auto Dependency: Bottom 27.3% in tier
- ROA 0.19% below tier average
- Efficiency ratio 0.17% above tier (higher cost structure)
- Delinquency rate 0.60% above tier average
- Members Per Employee (MPE): Bottom 3.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	13,200 +0.6% YoY+0.0% QoQ	-2.4K	15,628 -3.4% YoY	113,900 +3.3% YoY	33,089 +6.1% YoY	48%
Assets	$236.8M +2.5% YoY+1.0% QoQ	+$5.5M	$231.3M -0.0% YoY	$1.8B +11.8% YoY	$547.7M +7.8% YoY	60%
Loans	$175.3M +0.5% YoY-0.3% QoQ	+$27.5M	$147.8M -1.4% YoY	$1.5B +8.8% YoY	$388.7M +8.6% YoY	68%
Deposits	$209.8M +7.1% YoY+0.8% QoQ	+$9.6M	$200.3M -0.0% YoY	$1.6B +14.4% YoY	$464.6M +9.3% YoY	61%

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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% -1.9% YoY+26.0% QoQ	-0.2%	0.8% +15.5% YoY	0.6% +34.6% YoY	0.7% +273.4% YoY	40%
NIM	4.5% +7.3% YoY+3.6% QoQ	+0.9%	3.6% +6.9% YoY	4.2% +5.6% YoY	3.7% +5.0% YoY	Top 9.0% in tier
Efficiency Ratio	77.4% -2.9% YoY-2.5% QoQ	+0.2%	77.3% -3.0% YoY	78.1% -3.3% YoY	79.1% -3.3% YoY	51%
Delinquency Rate	1.5% +114.2% YoY+1.7% QoQ	+0.6	0.9% +7.6% YoY	0.8% -14.6% YoY	1.2% -0.9% YoY	84%
Loan To Share	83.5% -6.2% YoY-1.1% QoQ	+10.8%	72.7% -1.5% YoY	77.0% -0.7% YoY	68.0% -1.7% YoY	72%
AMR	$29,179 +3.4% YoY+0.3% QoQ	+$5K	$24,363 +2.9% YoY	$25,886 +3.8% YoY	$19,418 +1.3% YoY	81%
CD Concentration	23.5% +0.3% YoY+1.1% QoQ	-0.9%	24.4% +4.2% YoY	21.9% +3.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	20.8% +20.9% YoY+1.8% QoQ	+6.9%	14.0% -5.7% YoY	15.6% -2.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#585 of 603 • Top 31.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.58%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.60%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 20.85%

(Tier: 13.97%, 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 worsening

Relationship Depth Leader

growth

#169 of 257 • Top 65.6% 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): 3.39%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $4.3K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk

#72 of 736 • Bottom 2.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.78% 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 | Rank improving

Indirect Auto Dependency

risk

#440 of 525 • Bottom 27.3% in tier

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

Why This Signature

Asset Growth (YoY): 2.54%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 20.85%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.51%

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

178

Loan-to-Member Ratio (LMR)

engagement

Value: $13,281

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

196

First Mortgage Concentration (%)

balance_sheet

Value: 13.86%

Peer Avg: -

#196 of 1077 Top 18.1% in 100M-500M tier

205

Average Member Relationship (AMR)

engagement

Value: $29,179

Peer Avg: -

#205 of 1077 Top 18.9% in 100M-500M tier

219

Fee Income Per Member

profitability

Value: $227.18

Peer Avg: -

#219 of 1077 Top 20.2% in 100M-500M tier

255

Deposit Growth Rate

growth

Value: 7.13%

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (4 metrics)

1037

Members Per Employee (MPE)

engagement

Value: 197.015

Peer Avg: -

#1037 of 1077 Bottom 3.8% in 100M-500M tier

910

Total Delinquency Rate (60+ days)

risk

Value: 1.46%

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

837

Net Charge-Off Rate

risk

Value: 0.65%

Peer Avg: -

#837 of 1077 Bottom 22.4% in 100M-500M tier

811

Net Worth Ratio

risk

Value: 9.82%

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier