BlastPoint's Credit Union Scorecard

NORTH STAR COMMUNITY

Charter #62638 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

NORTH STAR COMMUNITY has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.43% above tier average

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.85% below tier average
- Deposit Growth Rate: Bottom 1.1% 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 19 that size in Iowa.
Shares and deposits -8.2% year over year ($134M in shares and deposits).
Membership: 12,200 members, -1.3% vs a year ago.
Delinquency rate 0.54%.
Return on assets 0.02%.
Efficiency ratio 73.90% vs a 76.73% peer average.
Loan-to-share ratio 84.43% 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 (IA)	National Avg	Tier Percentile
Members	12,200 -1.3% YoY-0.4% QoQ	-3.0K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	45%
Assets	$149.4M -7.6% YoY-4.6% QoQ	$-82.7M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	30%
Loans	$112.8M -3.1% YoY-0.6% QoQ	$-33.4M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	44%
Deposits	$133.6M -8.2% YoY-4.9% QoQ	$-67.1M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	32%

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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	0.0% -86.8% YoY-107.3% QoQ	-0.8%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	Bottom 0.3% in tier
NIM	4.1% +13.2% YoY+5.9% QoQ	+0.4%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	77%
Efficiency Ratio	73.9% -1.8% YoY-4.3% QoQ	-2.8%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	38%
Delinquency Rate	0.5% -53.3% YoY-29.9% QoQ	-0.3	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	40%
Loan To Share	84.4% +5.5% YoY+4.6% QoQ	+12.9%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	74%
AMR	$20,201 -4.7% YoY-2.6% QoQ	$-5K	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	32%
CD Concentration	43.5% -10.8% YoY-5.5% QoQ	+19.0%	24.6%	21.7%	20.0%	50%
Indirect Auto %	35.0% -3.6% YoY+0.5% QoQ	+21.4%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Shrinking Wallet Share

decline

#60 of 223 • 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): -4.66%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#15 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -4.66%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Stagnation Risk

risk

#323 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.14%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#339 of 476 • 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): -7.61%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 35.00%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.33%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Membership Headwinds

decline

#418 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#209 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $149.36M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.33%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.14%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (2 metrics)

142

First Mortgage Concentration (%)

balance_sheet

Value: 11.12%

Peer Median: 29.92%

#142 of 1024 Top 13.8% in 100M-500M tier

240

Net Interest Margin (NIM)

profitability

Value: 4.12%

Peer Median: 3.67%

#240 of 1024 Top 23.3% in 100M-500M tier

Top Weaknesses (10 metrics)

1021

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.75%

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1014

Deposit Growth Rate

growth

Value: -8.16%

Peer Median: 3.58%

#1014 of 1024 Bottom 1.1% in 100M-500M tier

1013

Asset Growth Rate

growth

Value: -7.61%

Peer Median: 4.12%

#1013 of 1024 Bottom 1.2% in 100M-500M tier

979

Share Certificate Concentration (%)

balance_sheet

Value: 43.52%

Peer Median: 23.39%

#979 of 1024 Bottom 4.5% in 100M-500M tier

975

AMR Growth Rate

growth

Value: -4.66%

Peer Median: 3.53%

#975 of 1024 Bottom 4.9% in 100M-500M tier

964

Net Charge-Off Rate

risk

Value: 1.22%

Peer Median: 0.34%

#964 of 1024 Bottom 6.0% in 100M-500M tier

911

Indirect Auto Concentration (%)

balance_sheet

Value: 35.00%

Peer Median: 6.15%

#911 of 1024 Bottom 11.1% in 100M-500M tier

899

Fee Income Per Member

profitability

Value: $92.14

Peer Median: $159.88

#899 of 1024 Bottom 12.3% in 100M-500M tier

858

Loan Growth Rate

growth

Value: -3.14%

Peer Median: 3.02%

#858 of 1024 Bottom 16.3% in 100M-500M tier

793

Net Worth Ratio

risk

Value: 9.83%

Peer Median: 11.71%

#793 of 1024 Bottom 22.7% in 100M-500M tier