BlastPoint's Credit Union Scorecard
NORTH STAR COMMUNITY
Charter #62563 · ND
NORTH STAR COMMUNITY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.62% above tier average
- + Total Loans: Top 3.1% in tier
- + Total Assets: Top 3.5% in tier
- + Total Deposits: Top 3.9% in tier
- + First Mortgage Concentration (%): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 1.99% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Share Certificate Concentration (%): Bottom 7.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in North Dakota.
- Shares and deposits +4.7% year over year ($397M in shares and deposits).
- Membership: 22,521 members, +2.0% vs a year ago.
- Delinquency rate 2.87%.
- Return on assets 1.17%.
- Efficiency ratio 70.45% vs a 76.73% peer average.
- Loan-to-share ratio 84.35% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,521
+2.0% YoY+1.3% QoQ
|
+7.4K |
15,168
-2.6% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$464.8M
+3.7% YoY-1.2% QoQ
|
+$232.8M |
$232.0M
+0.7% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Top 3.6% in tier |
| Loans |
$334.7M
-0.9% YoY+4.2% QoQ
|
+$188.4M |
$146.3M
+0.2% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Top 3.2% in tier |
| Deposits |
$396.8M
+4.7% YoY-1.8% QoQ
|
+$196.1M |
$200.7M
+0.2% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 4.0% in tier |
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| ROA |
1.2%
+36.1% YoY-3.2% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
4.3%
+10.1% YoY-1.7% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
70.5%
-1.2% YoY+1.3% QoQ
|
-6.3% |
76.7%
-0.8% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
2.9%
+8.1% YoY+23.7% QoQ
|
+2.0 |
0.9%
+6.6% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
84.3%
-5.3% YoY+6.2% QoQ
|
+12.8% |
71.5%
-0.3% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$32,482
+0.1% YoY-0.5% QoQ
|
+$7K |
$25,107
+3.2% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 13.9% in tier |
| CD Concentration |
40.7%
-1.1% YoY+2.5% QoQ
|
+16.1% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
14.6%
-7.9% YoY-3.5% QoQ
|
+0.9% | 13.6% | 1.2% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)