BlastPoint's Credit Union Scorecard
NORTH STAR COMMUNITY
Charter #62563 · ND
NORTH STAR COMMUNITY has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.53% above tier average
- + Total Loans: Top 2.6% in tier
- + Total Assets: Top 4.0% in tier
- + Total Deposits: Top 5.7% in tier
- + First Mortgage Concentration (%): Top 6.7% in tier
- + Loan-to-Member Ratio (LMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 15.8% in tier
- - Indirect Auto Dependency: Bottom 32.2% in tier
- - Delinquency rate 1.28% above tier average
- - Members Per Employee (MPE): Bottom 4.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.1% in tier
- - Share Certificate Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,145
-0.4% YoY+0.3% QoQ
|
+6.5K |
15,628
-3.4% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$458.7M
-1.1% YoY+2.3% QoQ
|
+$227.4M |
$231.3M
-0.0% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 4.1% in tier |
| Loans |
$336.3M
-4.9% YoY-0.4% QoQ
|
+$188.5M |
$147.8M
-1.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Top 2.7% in tier |
| Deposits |
$379.4M
-0.1% YoY+0.1% QoQ
|
+$179.1M |
$200.3M
-0.0% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 5.8% in tier |
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| ROA |
1.1%
+46.3% YoY+27.8% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
4.1%
+12.7% YoY+5.3% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
68.8%
-9.5% YoY-3.5% QoQ
|
-8.5% |
77.3%
-3.0% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
2.1%
-2.0% YoY-19.5% QoQ
|
+1.3 |
0.9%
+7.6% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
Top 5.1% in tier |
| Loan To Share |
88.6%
-4.8% YoY-0.5% QoQ
|
+15.9% |
72.7%
-1.5% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$32,319
-2.0% YoY-0.4% QoQ
|
+$8K |
$24,363
+2.9% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 12.5% in tier |
| CD Concentration |
41.7%
-4.5% YoY+1.5% QoQ
|
+17.3% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.2%
-34.4% YoY-4.1% QoQ
|
+1.2% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)