BlastPoint's Credit Union Scorecard
TRUE NORTH
Charter #5892 · AK
TRUE NORTH has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 1.03% above tier average
- + Net Worth Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 5.32% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Alaska.
- Shares and deposits +0.5% year over year ($209M in shares and deposits).
- Membership: 13,230 members, +0.3% vs a year ago.
- Delinquency rate 0.87%.
- Return on assets 0.19%.
- Efficiency ratio 82.05% vs a 76.73% peer average.
- Loan-to-share ratio 90.83% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,230
+0.3% YoY+0.6% QoQ
|
-1.9K |
15,168
-2.6% YoY
|
129,879
+14.6% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$236.2M
+0.7% YoY-0.4% QoQ
|
+$4.2M |
$232.0M
+0.7% YoY
|
$2.1B
+12.8% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$190.0M
+8.0% YoY+9.0% QoQ
|
+$43.7M |
$146.3M
+0.2% YoY
|
$1.6B
+10.6% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$209.2M
+0.5% YoY-0.5% QoQ
|
+$8.5M |
$200.7M
+0.2% YoY
|
$1.8B
+13.3% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.2%
-59.6% YoY-12.1% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.7%
+29.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.4% in tier |
| NIM |
4.7%
+8.4% YoY+3.5% QoQ
|
+1.0% |
3.7%
+4.5% YoY
|
4.1%
+0.6% YoY
|
3.8%
+2.3% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
82.0%
+3.3% YoY-1.9% QoQ
|
+5.3% |
76.7%
-0.8% YoY
|
78.7%
-1.6% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.9%
-39.0% YoY-4.3% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.9%
+11.4% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
90.8%
+7.5% YoY+9.6% QoQ
|
+19.3% |
71.5%
-0.3% YoY
|
75.1%
-3.8% YoY
|
66.4%
-1.4% YoY
|
Top 13.2% in tier |
| AMR |
$30,171
+3.7% YoY+3.2% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$26,986
+6.1% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
21.2%
-8.8% YoY-8.2% QoQ
|
-3.3% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
26.2%
+27.9% YoY+14.8% QoQ
|
+12.6% | 13.6% | 16.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)