BlastPoint's Credit Union Scorecard
NORTH STAR COMMUNITY
Charter #62563 · ND
NORTH STAR COMMUNITY has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.42% above tier average
- + Total Assets: Top 3.1% in tier
- + Total Loans: Top 3.5% in tier
- + Total Deposits: Top 4.9% in tier
- + First Mortgage Concentration (%): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 33.8% in tier
- - Credit Quality Pressure: Bottom 45.0% in tier
- - Institutional Decline: Bottom 55.2% in tier
- - Membership Headwinds: Bottom 82.8% in tier
- - Delinquency rate 1.39% above tier average
- - Members Per Employee (MPE): Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,098
-1.2% YoY-0.2% QoQ
|
+6.7K |
15,437
-2.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$467.6M
+1.8% YoY+1.9% QoQ
|
+$235.8M |
$231.9M
+1.3% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Top 3.2% in tier |
| Loans |
$325.9M
-4.7% YoY-3.1% QoQ
|
+$178.5M |
$147.3M
-0.1% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 3.6% in tier |
| Deposits |
$389.4M
+1.8% YoY+2.6% QoQ
|
+$188.6M |
$200.8M
+0.8% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Top 5.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+38.4% YoY-8.9% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
4.0%
+11.4% YoY-2.2% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
68.8%
-8.4% YoY+0.0% QoQ
|
-8.2% |
77.0%
-3.1% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
2.3%
+11.5% YoY+6.7% QoQ
|
+1.4 |
0.9%
+4.2% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 5.3% in tier |
| Loan To Share |
83.7%
-6.4% YoY-5.6% QoQ
|
+11.5% |
72.2%
-1.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$32,370
-0.1% YoY+0.2% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 13.2% in tier |
| CD Concentration |
41.1%
+0.4% YoY-1.5% QoQ
|
+16.7% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
14.7%
-17.4% YoY-3.1% QoQ
|
+0.9% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)