BlastPoint's Credit Union Scorecard

TRUE NORTH

Charter #5892 · AK

100M-500M

1070 CUs in 100M-500M nationally 5 in AK

TRUE NORTH has 1 strength but faces 7 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

+ Net Interest Margin 0.92% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.51% below tier average
- Efficiency ratio 5.60% above tier (higher cost structure)
- Delinquency rate 0.14% above tier average
- Members Per Employee (MPE): Bottom 4.0% in tier
- Asset Growth Rate: Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	13,157 +0.1% YoY-0.3% QoQ	-2.0K	15,145 -2.5% YoY	114,751 +3.4% YoY	33,913 +5.7% YoY	50%
Assets	$237.1M -3.6% YoY-0.1% QoQ	+$5.4M	$231.7M +0.8% YoY	$1.8B +8.8% YoY	$578.3M +9.0% YoY	60%
Loans	$174.3M +0.5% YoY-1.1% QoQ	+$30.1M	$144.1M +0.2% YoY	$1.4B +7.7% YoY	$402.4M +8.7% YoY	70%
Deposits	$210.3M +0.3% YoY-0.4% QoQ	+$9.1M	$201.1M +0.4% YoY	$1.6B +10.3% YoY	$494.3M +9.1% YoY	62%

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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	0.2% -47.5% YoY-65.1% QoQ	-0.5%	0.7% +5.1% YoY	0.8% +12.2% YoY	0.4% -39.2% YoY	17%
NIM	4.6% +7.8% YoY+0.7% QoQ	+0.9%	3.6% +4.6% YoY	4.2% +5.3% YoY	3.8% +4.1% YoY	Top 8.8% in tier
Efficiency Ratio	83.6% +6.1% YoY+5.7% QoQ	+5.6%	78.0% -1.7% YoY	77.7% -1.8% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.9% -37.4% YoY+14.8% QoQ	+0.1	0.8% +7.1% YoY	0.8% +11.5% YoY	1.2% +3.4% YoY	72%
Loan To Share	82.9% +0.2% YoY-0.6% QoQ	+12.5%	70.4% -0.4% YoY	75.0% -0.5% YoY	65.6% -1.4% YoY	75%
AMR	$29,227 +0.3% YoY-0.5% QoQ	+$4K	$24,918 +2.7% YoY	$26,073 +2.2% YoY	$19,920 +1.6% YoY	78%
CD Concentration	23.1% -2.8% YoY+0.2% QoQ	-1.2%	24.3%	22.8%	19.8%	50%
Indirect Auto %	22.8% +18.1% YoY+2.7% QoQ	+9.0%	13.8%	15.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Efficiency Drag

risk

#189 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 83.63%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#478 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -3.56%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 22.81%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.55%

Peer Median: 3.62%

#94 of 1070 Top 8.7% in 100M-500M tier

186

Loan-to-Member Ratio (LMR)

engagement

Value: $13,247

Peer Median: $9,356

#186 of 1070 Top 17.3% in 100M-500M tier

213

Fee Income Per Member

profitability

Value: $214.71

Peer Median: $154.95

#213 of 1070 Top 19.8% in 100M-500M tier

214

First Mortgage Concentration (%)

balance_sheet

Value: 14.80%

Peer Median: 29.47%

#214 of 1070 Top 19.9% in 100M-500M tier

233

Average Member Relationship (AMR)

engagement

Value: $29,227

Peer Median: $22,931

#233 of 1070 Top 21.7% in 100M-500M tier

266

Loan-to-Share Ratio

balance_sheet

Value: 82.89%

Peer Median: 71.88%

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1028

Members Per Employee (MPE)

engagement

Value: 199.348

Peer Median: 309.176

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1017

Asset Growth Rate

growth

Value: -3.56%

Peer Median: 3.91%

#1017 of 1070 Bottom 5.0% in 100M-500M tier

885

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: 0.69%

#885 of 1070 Bottom 17.4% in 100M-500M tier

842

Deposit Growth Rate

growth

Value: 0.26%

Peer Median: 3.30%

#842 of 1070 Bottom 21.4% in 100M-500M tier

832

AMR Growth Rate

growth

Value: 0.28%

Peer Median: 3.46%

#832 of 1070 Bottom 22.3% in 100M-500M tier

818

Indirect Auto Concentration (%)

balance_sheet

Value: 22.81%

Peer Median: 6.61%

#818 of 1070 Bottom 23.6% in 100M-500M tier