BlastPoint's Credit Union Scorecard
NORTH STAR
Charter #60689 · MN
NORTH STAR has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.53% above tier average
- + Total Delinquency Rate (60+ days): Top 0.5% in tier
- + Net Charge-Off Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 3.4% in tier
- - Total Members: Bottom 6.9% 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 31 that size in Minnesota.
- Shares and deposits +4.7% year over year ($104M in shares and deposits).
- Membership: 6,090 members, +1.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.08%.
- Efficiency ratio 76.21% vs a 76.73% peer average.
- Loan-to-share ratio 86.44% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,090
+1.6% YoY+0.2% QoQ
|
-9.1K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 6.8% in tier |
| Assets |
$116.0M
+4.8% YoY+2.9% QoQ
|
$-116.1M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.5% in tier |
| Loans |
$90.1M
+0.6% YoY+3.8% QoQ
|
$-56.1M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$104.3M
+4.7% YoY+2.7% QoQ
|
$-96.5M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.2% in tier |
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| ROA |
1.1%
+156.9% YoY+2.4% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.2%
+18.6% YoY-0.6% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
76.2%
-16.4% YoY-3.2% QoQ
|
-0.5% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.0%
-97.4% YoY-97.8% QoQ
|
-0.9 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.5% in tier |
| Loan To Share |
86.4%
-4.0% YoY+1.1% QoQ
|
+14.9% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$31,919
+1.1% YoY+3.0% QoQ
|
+$7K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
85% |
| CD Concentration |
27.9%
-12.1% YoY-3.3% QoQ
|
+3.3% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (0)
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)