BlastPoint's Credit Union Scorecard

NORTH STAR

Charter #60689 · MN

1069 CUs in 100M-500M nationally 31 in MN

NORTH STAR has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 83.3% in tier
+ Organic Growth Leader: Top 84.9% in tier
+ Relationship Depth Leader: Top 89.5% in tier
+ Emerging Performer: Top 99.5% in tier
+ Net Interest Margin 0.16% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 0.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 46.2% in tier
- ROA 0.19% below tier average
- Efficiency ratio 10.06% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.0% in tier
- Total Members: Bottom 6.0% in tier
- Total Assets: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	6,037 +1.0% YoY+0.7% QoQ	-9.4K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	Bottom 5.9% in tier
Assets	$112.1M +6.2% YoY-2.2% QoQ	$-119.7M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	Bottom 8.0% in tier
Loans	$87.9M -0.2% YoY-1.0% QoQ	$-59.4M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	27%
Deposits	$101.3M +6.0% YoY-2.1% QoQ	$-99.5M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	Bottom 11.3% in tier

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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	0.6% -590.3% YoY-6.8% QoQ	-0.2%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	37%
NIM	3.8% +10.8% YoY+0.7% QoQ	+0.2%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	59%
Efficiency Ratio	87.1% -12.6% YoY+1.4% QoQ	+10.1%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	84%
Delinquency Rate	0.0% -95.1% YoY-98.1% QoQ	-0.9	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	Bottom 0.7% in tier
Loan To Share	86.8% -5.8% YoY+1.1% QoQ	+14.6%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	78%
AMR	$31,346 +1.9% YoY-2.2% QoQ	+$7K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	85%
CD Concentration	29.8% -3.5% YoY+0.6% QoQ	+5.4%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#496 of 595 • Top 83.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.02%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.57%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#362 of 426 • Top 84.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.02%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#240 of 268 • Top 89.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.94%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.9K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Emerging Performer

growth

#181 of 182 • Top 99.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.57%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#249 of 538 • Bottom 46.2% in tier

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

Why This Signature

Efficiency Ratio: 87.07%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.68% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: -

#8 of 1069 Top 0.7% in 100M-500M tier

130

Loan-to-Member Ratio (LMR)

engagement

Value: $14,565

Peer Median: -

#130 of 1069 Top 12.1% in 100M-500M tier

162

Average Member Relationship (AMR)

engagement

Value: $31,346

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

232

Loan-to-Share Ratio

balance_sheet

Value: 86.80%

Peer Median: -

#232 of 1069 Top 21.6% in 100M-500M tier

240

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1049

Members Per Employee (MPE)

engagement

Value: 182.939

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1006

Total Members

engagement

Value: 6,037

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

984

Total Assets

balance_sheet

Value: $112.12M

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

948

Total Deposits

balance_sheet

Value: $101.31M

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

942

Net Worth Ratio

risk

Value: 8.88%

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

932

First Mortgage Concentration (%)

balance_sheet

Value: 51.01%

Peer Median: -

#932 of 1069 Bottom 12.9% in 100M-500M tier

900

Efficiency Ratio

profitability

Value: 87.07%

Peer Median: -

#900 of 1069 Bottom 15.9% in 100M-500M tier