NORTH STAR

Charter #60689 | MN

100M-500M (1077 CUs) Micro
31 100M-500M in MN

NORTH STAR has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.2% in tier
  • + Wallet Share Momentum: Top 8.0% in tier
  • + Emerging Performer: Top 23.6% in tier
  • + Net Interest Margin 0.16% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 5.9% in tier
  • + Deposit Growth Rate: Top 8.6% in tier
  • + Asset Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 14.2% in tier
  • - Efficiency Drag: Bottom 15.8% in tier
  • - Growth-at-Risk: Bottom 21.2% in tier
  • - ROA 0.18% below tier average
  • - Efficiency ratio 8.63% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 1.5% in tier
  • - Total Members: Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 5,997
-0.5% YoY+0.1% QoQ
 -9.6K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 5.5% in tier
Assets $114.6M
+10.6% YoY+3.6% QoQ
 $-116.7M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Bottom 10.3% in tier
Loans $88.8M
+3.0% YoY-0.9% QoQ
 $-59.0M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 28th in tier
Deposits $103.5M
+11.3% YoY+3.9% QoQ
 $-96.8M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Bottom 13.1% in tier
ROA 0.6%
-348.8% YoY+45.6% QoQ
 -0.2% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 40th in tier
NIM 3.7%
+12.6% YoY+5.3% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 85.9%
-16.5% YoY-5.7% QoQ
 +8.6% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Top 20.8% in tier
Delinquency Rate 0.2%
+548.8% YoY+44.7% QoQ
 -0.6 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 Bottom 14.1% in tier
Loan To Share 85.8%
-7.5% YoY-4.6% QoQ
 +13.1% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 23.5% in tier
AMR $32,064
+7.8% YoY+1.6% QoQ
 +$8K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Top 12.9% in tier
CD Concentration 29.7%
-0.6% YoY-6.5% QoQ
 +5.2% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#63 of 1006 • Top 2.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.80%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#220 of 1006 • Top 8.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.80%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#444 of 627 • Top 23.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.61%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.46%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#352 of 736 • Bottom 14.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.20% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#279 of 521 • Bottom 15.8% in tier

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

Why This Signature
Efficiency Ratio: 85.91%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.85% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.46%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Growth-at-Risk

risk
#318 of 446 • Bottom 21.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.00%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.20% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
65
Net Charge-Off Rate
risk
Value: 0.04%
Peer Avg: 0.47%
#65 of 1077 Top 5.9% in 100M-500M tier
94
Deposit Growth Rate
growth
Value: 11.30%
Peer Avg: 4.69%
#94 of 1077 Top 8.6% in 100M-500M tier
104
Asset Growth Rate
growth
Value: 10.56%
Peer Avg: 4.70%
#104 of 1077 Top 9.6% in 100M-500M tier
119
Loan-to-Member Ratio (LMR)
engagement
Value: $14,811
Peer Avg: $10,245
#119 of 1077 Top 11.0% in 100M-500M tier
139
Average Member Relationship (AMR)
engagement
Value: $32,064
Peer Avg: $24,363
#139 of 1077 Top 12.8% in 100M-500M tier
153
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.86%
#153 of 1077 Top 14.1% in 100M-500M tier
172
AMR Growth Rate
growth
Value: 7.80%
Peer Avg: 3.64%
#172 of 1077 Top 15.9% in 100M-500M tier
253
Loan-to-Share Ratio
balance_sheet
Value: 85.84%
Peer Avg: 72.70%
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1062
Members Per Employee (MPE)
engagement
Value: 176.382
Peer Avg: 332.881
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1018
Total Members
engagement
Value: 5,997
Peer Avg: 15,628
#1018 of 1077 Bottom 5.6% in 100M-500M tier
966
Total Assets
balance_sheet
Value: $114.61M
Peer Avg: $231.30M
#966 of 1077 Bottom 10.4% in 100M-500M tier
955
Net Worth Ratio
risk
Value: 8.89%
Peer Avg: 12.15%
#955 of 1077 Bottom 11.4% in 100M-500M tier
944
First Mortgage Concentration (%)
balance_sheet
Value: 51.33%
Peer Avg: 30.43%
#944 of 1077 Bottom 12.4% in 100M-500M tier
936
Total Deposits
balance_sheet
Value: $103.47M
Peer Avg: $200.29M
#936 of 1077 Bottom 13.2% in 100M-500M tier
854
Efficiency Ratio
profitability
Value: 85.91%
Peer Avg: 77.28%
#854 of 1077 Bottom 20.8% in 100M-500M tier