BlastPoint's Credit Union Scorecard
NORTH STAR
Charter #60689 · MN
NORTH STAR has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 21.1% in tier
- + Wallet Share Momentum: Top 45.6% in tier
- + Credit Quality Leader: Top 53.1% 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
- - Credit Risk Growth: 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
|
28% |
| 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 |
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| 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
|
40% |
| 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
|
58% |
| 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
|
79% |
| 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
|
76% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)