BlastPoint's Credit Union Scorecard
NORTHERN LIGHTS COMMUNITY
Charter #5272 · MI
NORTHERN LIGHTS COMMUNITY demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.30% above tier average
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.8% in tier
- + Asset Growth Rate: Top 5.4% in tier
- + Deposit Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,311
-0.5% YoY+0.1% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$12.6M
+12.5% YoY+2.1% QoQ
|
$-17.6M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$3.4M
-11.0% YoY-1.7% QoQ
|
$-12.3M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$11.4M
+11.9% YoY+2.4% QoQ
|
$-14.3M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
39% |
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 |
1.9%
+69.1% YoY-8.8% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 8.0% in tier |
| NIM |
4.6%
+0.2% YoY-0.7% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
69.5%
-15.3% YoY+3.9% QoQ
|
-13.1% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
1.1%
+88.2% YoY+74.6% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
30.2%
-20.5% YoY-4.0% QoQ
|
-30.4% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.5% in tier |
| AMR |
$11,305
+6.0% YoY+1.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
1.7%
-13.7% YoY-17.9% QoQ
|
-22.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 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)