BlastPoint's Credit Union Scorecard
NORTH STAR COMMUNITY
Charter #62638 · IA
NORTH STAR COMMUNITY has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 52.2% in tier
- - Indirect Auto Dependency: Bottom 68.5% in tier
- - Deposit Outflow: Bottom 79.4% in tier
- - ROA 0.73% below tier average
- - Delinquency rate 0.21% above tier average
- - Share Certificate Concentration (%): Bottom 1.9% in tier
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - AMR Growth Rate: Bottom 8.4% in tier
- - Asset Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,287
-0.4% YoY-0.1% QoQ
|
-3.2K |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$159.0M
-1.6% YoY+0.2% QoQ
|
$-72.9M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$114.1M
-4.2% YoY-1.3% QoQ
|
$-33.3M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$143.1M
-1.7% YoY+0.4% QoQ
|
$-57.7M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
37% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-95.1% YoY-51.4% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.4% in tier |
| NIM |
3.8%
+5.0% YoY+1.6% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
72.3%
+2.1% YoY-3.1% QoQ
|
-4.8% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.1%
-11.3% YoY-24.1% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
79.7%
-2.6% YoY-1.8% QoQ
|
+7.5% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$20,928
-2.4% YoY-0.3% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
48.7%
-1.0% YoY-0.8% QoQ
|
+24.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
34.8%
-10.5% YoY-1.5% QoQ
|
+21.0% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)