BlastPoint's Credit Union Scorecard
TRUE NORTH
Charter #5892 · AK
TRUE NORTH has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 80.5% in tier
- + Organic Growth Engine: Top 95.0% in tier
- + Net Interest Margin 0.92% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 91.1% 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 (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)