BlastPoint's Credit Union Scorecard
NORTH STAR COMMUNITY
Charter #62638 · IA
NORTH STAR COMMUNITY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.7% in tier
- - Shrinking Wallet Share: Bottom 17.0% in tier
- - Indirect Auto Dependency: Bottom 19.8% in tier
- - ROA 0.72% below tier average
- - Delinquency rate 0.60% above tier average
- - Share Certificate Concentration (%): Bottom 1.9% in tier
- - Net Charge-Off Rate: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,298
+0.4% YoY-0.5% QoQ
|
-3.3K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$158.6M
+0.6% YoY-1.9% QoQ
|
$-72.7M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$115.6M
-3.5% YoY-0.8% QoQ
|
$-32.2M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
45% |
| Deposits |
$142.4M
+0.5% YoY-2.1% QoQ
|
$-57.8M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
0.1%
-89.7% YoY-52.4% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.7% in tier |
| NIM |
3.7%
+1.0% YoY+3.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
74.6%
+3.8% YoY-0.9% QoQ
|
-2.7% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.5%
+25.5% YoY+25.9% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
85% |
| Loan To Share |
81.1%
-4.0% YoY+1.4% QoQ
|
+8.4% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$20,981
-1.7% YoY-1.0% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
49.1%
-0.3% YoY+0.5% QoQ
|
+24.7% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
35.3%
-10.1% YoY-2.8% QoQ
|
+21.3% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)