BlastPoint's Credit Union Scorecard

NORTH STAR COMMUNITY

Charter #62563 · ND

100M-500M

1070 CUs in 100M-500M nationally 8 in ND

NORTH STAR COMMUNITY has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.49% above tier average
+ Net Interest Margin 0.74% above tier average
+ Total Assets: Top 2.9% in tier
+ Total Deposits: Top 3.1% in tier
+ Total Loans: Top 3.7% in tier
+ First Mortgage Concentration (%): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 1.54% above tier average
- Members Per Employee (MPE): Bottom 3.1% in tier
- Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- Share Certificate Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	22,222 +1.2% YoY+0.6% QoQ	+7.1K	15,145 -2.5% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	84%
Assets	$470.6M -1.3% YoY+0.6% QoQ	+$238.9M	$231.7M +0.8% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	Top 3.0% in tier
Loans	$321.2M -3.1% YoY-1.4% QoQ	+$177.0M	$144.1M +0.2% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	Top 3.8% in tier
Deposits	$404.2M +1.2% YoY+3.8% QoQ	+$203.1M	$201.1M +0.4% YoY	$173.7M +3.7% YoY	$494.3M +9.1% YoY	Top 3.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +63.0% YoY+20.8% QoQ	+0.5%	0.7% +5.1% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	80%
NIM	4.4% +12.9% YoY+8.6% QoQ	+0.7%	3.6% +4.6% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	Top 12.2% in tier
Efficiency Ratio	69.6% -1.0% YoY+1.1% QoQ	-8.5%	78.0% -1.7% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	2.3% +0.9% YoY+1.7% QoQ	+1.5	0.8% +7.1% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	Bottom 3.8% in tier
Loan To Share	79.5% -4.3% YoY-5.1% QoQ	+9.0%	70.4% -0.4% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	67%
AMR	$32,644 -1.9% YoY+0.8% QoQ	+$8K	$24,918 +2.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	Top 13.0% in tier
CD Concentration	39.7% +2.3% YoY-3.4% QoQ	+15.4%	24.3%	22.5%	19.8%	50%
Indirect Auto %	15.1% -13.0% YoY+2.8% QoQ	+1.3%	13.8%	1.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Shrinking Wallet Share

decline

#151 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.92%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#664 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#501 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.32%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.10%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (11 metrics)

Total Assets

balance_sheet

Value: $470.63M

Peer Median: $196.57M

#32 of 1070 Top 2.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $404.25M

Peer Median: $171.29M

#34 of 1070 Top 3.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $321.18M

Peer Median: $121.41M

#41 of 1070 Top 3.7% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.00%

Peer Median: 29.47%

#76 of 1070 Top 7.0% in 100M-500M tier

131

Net Interest Margin (NIM)

profitability

Value: 4.38%

Peer Median: 3.62%

#131 of 1070 Top 12.1% in 100M-500M tier

131

Loan-to-Member Ratio (LMR)

engagement

Value: $14,453

Peer Median: $9,356

#131 of 1070 Top 12.1% in 100M-500M tier

139

Average Member Relationship (AMR)

engagement

Value: $32,644

Peer Median: $22,931

#139 of 1070 Top 12.9% in 100M-500M tier

176

Total Members

engagement

Value: 22,222

Peer Median: 13,200

#176 of 1070 Top 16.4% in 100M-500M tier

218

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.69%

#218 of 1070 Top 20.3% in 100M-500M tier

239

Net Worth Ratio

risk

Value: 13.85%

Peer Median: 11.45%

#239 of 1070 Top 22.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1038

Members Per Employee (MPE)

engagement

Value: 191.569

Peer Median: 309.176

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1030

Total Delinquency Rate (60+ days)

risk

Value: 2.32%

Peer Median: 0.61%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

987

Share Certificate Concentration (%)

balance_sheet

Value: 39.68%

Peer Median: 23.10%

#987 of 1070 Bottom 7.9% in 100M-500M tier

956

Asset Growth Rate

growth

Value: -1.32%

Peer Median: 3.91%

#956 of 1070 Bottom 10.7% in 100M-500M tier

946

AMR Growth Rate

growth

Value: -1.92%

Peer Median: 3.46%

#946 of 1070 Bottom 11.7% in 100M-500M tier

890

Loan Growth Rate

growth

Value: -3.06%

Peer Median: 2.93%

#890 of 1070 Bottom 16.9% in 100M-500M tier