BlastPoint's Credit Union Scorecard
NORTH STAR
Charter #60689 · MN
NORTH STAR has 6 strengths but faces 6 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
- + ROA 0.32% above tier average
- + Net Interest Margin 0.60% above tier average
- + Net Charge-Off Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency ratio 0.67% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Total Members: Bottom 6.8% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,076
+1.8% YoY+0.6% QoQ
|
-9.1K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 6.7% in tier |
| Assets |
$112.7M
+3.5% YoY+0.6% QoQ
|
$-119.0M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.8% in tier |
| Loans |
$86.8M
-1.2% YoY-1.3% QoQ
|
$-57.3M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$101.6M
+2.5% YoY+0.2% QoQ
|
$-99.6M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.5% in tier |
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| ROA |
1.0%
+84.7% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
4.2%
+13.0% YoY+12.5% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
78.7%
-14.6% YoY-9.6% QoQ
|
+0.7% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate | 0.2% | -0.6 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Top 12.8% in tier |
| Loan To Share |
85.5%
-3.6% YoY-1.5% QoQ
|
+15.1% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
80% |
| AMR |
$31,003
-1.0% YoY-1.1% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
28.8%
-11.1% YoY-3.3% QoQ
|
+4.6% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (3)
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.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)