BlastPoint's Credit Union Scorecard
NORTH STAR COMMUNITY
Charter #62638 · IA
NORTH STAR COMMUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.97% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,254
-0.9% YoY-0.3% QoQ
|
-2.9K |
15,145
-2.5% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$156.5M
-3.8% YoY-1.6% QoQ
|
$-75.2M |
$231.7M
+0.8% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$113.5M
-3.8% YoY-0.5% QoQ
|
$-30.7M |
$144.1M
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$140.6M
-4.0% YoY-1.7% QoQ
|
$-60.6M |
$201.1M
+0.4% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
-0.2%
-273.0% YoY
|
-1.0% |
0.7%
+5.1% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.7% in tier |
| NIM |
3.9%
+9.0% YoY+2.1% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
77.2%
-2.1% YoY+6.8% QoQ
|
-0.8% |
78.0%
-1.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.8%
-38.3% YoY-30.3% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
80.7%
+0.2% YoY+1.3% QoQ
|
+10.3% |
70.4%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$20,733
-3.0% YoY-0.9% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
46.1%
-6.4% YoY-5.4% QoQ
|
+21.8% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % |
34.8%
-7.6% YoY+0.2% QoQ
|
+21.0% | 13.8% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)