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 1.17% above tier average
- + Net Interest Margin 1.30% above tier average
- + Total Members: Top 4.7% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.2% YoY
- - Indirect Auto Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,450
-6.2% YoY-3.4% QoQ
|
+4.8K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 4.7% in tier |
| Assets |
$73.5M
-1.7% YoY-0.8% QoQ
|
+$43.6M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 10.3% in tier |
| Loans |
$35.4M
-15.1% YoY-3.9% QoQ
|
+$19.6M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 13.9% in tier |
| Deposits |
$63.6M
-3.1% YoY-1.9% QoQ
|
+$38.1M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 10.0% in tier |
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| ROA |
1.9%
+162.6% YoY-26.3% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 11.9% in tier |
| NIM |
5.2%
-8.0% YoY-0.9% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
68.2%
-28.8% YoY+19.5% QoQ
|
-13.2% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.5%
-28.6% YoY+7.0% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
55.6%
-12.4% YoY-2.1% QoQ
|
-5.6% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$13,279
-1.7% YoY+0.8% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
3.1%
-7.0% YoY+4.6% QoQ
|
-21.3% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
16.4%
-34.0% YoY-13.3% QoQ
|
+2.5% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)