NORTHLAND AREA

Charter #11979 | MI

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MI

NORTHLAND AREA has 4 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 12.1% in tier
  • + Wallet Share Momentum: Top 16.4% in tier
  • + Organic Growth Leader: Top 25.2% in tier
  • + Organic Growth Engine: Top 29.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 17.2% in tier
  • - ROA 0.04% below tier average
  • - Efficiency ratio 3.70% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 46,015
+1.3% YoY+0.1% QoQ
 +6.3K 39,752
-2.7% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 24.3% in tier
Assets $701.0M
+5.4% YoY+1.2% QoQ
 +$78.6M $622.4M
+0.3% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 21.9% in tier
Loans $448.2M
+5.1% YoY+0.8% QoQ
 +$12.2M $435.9M
-0.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 56th in tier
Deposits $622.1M
+7.7% YoY+0.8% QoQ
 +$84.0M $538.0M
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 14.2% in tier
ROA 0.6%
+29.9% YoY-6.8% QoQ
 -0.0% 0.7%
+33.9% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 50th in tier
NIM 2.9%
+5.5% YoY+0.5% QoQ
 -0.5% 3.4%
+8.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Bottom 16.6% in tier
Efficiency Ratio 81.8%
-5.4% YoY-0.5% QoQ
 +3.7% 78.1%
-3.4% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 69th in tier
Delinquency Rate 0.8%
-5.9% YoY-23.1% QoQ
 -0.0 0.8%
-4.9% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 72.0%
-2.4% YoY+0.0% QoQ
 -9.0% 81.0%
-1.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 24.9% in tier
AMR $23,258
+5.3% YoY+0.7% QoQ
 $-3K $26,482
+2.6% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 39th in tier
CD Concentration 20.7%
+6.2% YoY+2.7% QoQ
 -3.7% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 37th in tier
Indirect Auto % 13.7%
+8.4% YoY+2.2% QoQ
 -0.3% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 60th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#334 of 1006 • Top 12.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.26%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#453 of 1006 • Top 16.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.26%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#333 of 430 • Top 25.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#531 of 603 • Top 29.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.62%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 13.69%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (1)

Efficiency Drag

risk
#305 of 521 • Bottom 17.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.80%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.14% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.27%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

24
Total Deposits
balance_sheet
Value: $622.06M
Peer Avg: $538.02M
#24 of 169 Top 13.6% in 500M-750M tier
37
Total Assets
balance_sheet
Value: $700.98M
Peer Avg: $622.38M
#37 of 169 Top 21.3% in 500M-750M tier
41
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.51%
#41 of 169 Top 23.7% in 500M-750M tier
41
Total Members
engagement
Value: 46,015
Peer Avg: 39,752
#41 of 169 Top 23.7% in 500M-750M tier
42
Share Certificate Concentration (%)
balance_sheet
Value: 20.69%
Peer Avg: 26.87%
#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (1 metrics)

141
Net Interest Margin (NIM)
profitability
Value: 2.92%
Peer Avg: 3.43%
#141 of 169 Bottom 17.2% in 500M-750M tier