BlastPoint's Credit Union Scorecard
TRUE NORTH
Charter #5892 · AK
TRUE NORTH has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.92% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 2.09% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,191
+0.8% YoY-0.1% QoQ
|
-2.2K |
15,437
-2.9% YoY
|
113,831
+3.1% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$237.5M
+1.2% YoY+0.3% QoQ
|
+$5.6M |
$231.9M
+1.3% YoY
|
$1.8B
+10.4% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$176.2M
+1.0% YoY+0.5% QoQ
|
+$28.8M |
$147.3M
-0.1% YoY
|
$1.5B
+8.8% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$211.2M
+5.6% YoY+0.6% QoQ
|
+$10.4M |
$200.8M
+0.8% YoY
|
$1.6B
+11.8% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.6%
-12.2% YoY+4.4% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.6%
+35.7% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
4.5%
+7.0% YoY+0.3% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
4.2%
+5.1% YoY
|
3.8%
+5.1% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
79.1%
+0.2% YoY+2.1% QoQ
|
+2.1% |
77.0%
-3.1% YoY
|
78.5%
-3.0% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.8%
-43.5% YoY-45.4% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
0.9%
-6.6% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
83.4%
-4.4% YoY-0.1% QoQ
|
+11.2% |
72.2%
-1.1% YoY
|
75.9%
-0.1% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$29,364
+2.6% YoY+0.6% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$26,046
+3.3% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
23.1%
-4.8% YoY-2.0% QoQ
|
-1.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
22.2%
+19.0% YoY+6.6% QoQ
|
+8.4% | 13.8% | 15.8% | 7.8% | 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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)