BlastPoint's Credit Union Scorecard
NORTHERN STAR CREDIT UNION, INC.
Charter #66956 · VA
NORTHERN STAR CREDIT UNION, INC. has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Net Interest Margin 1.18% above tier average
- + Total Members: Top 4.9% in tier
- + Total Deposits: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.5% YoY
- - Indirect Auto Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,326
-6.5% YoY-1.7% QoQ
|
+4.7K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 4.9% in tier |
| Assets |
$73.8M
+1.6% YoY+0.4% QoQ
|
+$43.6M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 10.7% in tier |
| Loans |
$33.9M
-15.3% YoY-4.2% QoQ
|
+$18.1M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 14.7% in tier |
| Deposits |
$63.8M
-0.8% YoY+0.3% QoQ
|
+$38.1M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 10.0% in tier |
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| ROA |
1.4%
+135.4% YoY-22.1% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
5.1%
-10.2% YoY-1.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
74.8%
-21.8% YoY+9.7% QoQ
|
-7.8% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.3%
-58.0% YoY-40.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
53.1%
-14.6% YoY-4.5% QoQ
|
-7.5% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$13,328
+0.1% YoY+0.4% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
2.6%
-22.0% YoY-15.6% QoQ
|
-21.8% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
14.4%
-37.5% YoY-12.4% QoQ
|
+0.6% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)