BlastPoint's Credit Union Scorecard
NORTHLAND AREA
Charter #11979 · MI
NORTHLAND AREA has 3 strengths but faces 3 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 25.2% in tier
- + Organic Growth Engine: Top 29.0% in tier
- + Wallet Share Momentum: Top 94.2% 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
|
76% |
| 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
|
78% |
| 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
|
56% |
| 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 |
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| 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
|
50% |
| 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
|
17% |
| 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
|
69% |
| 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
|
60% |
| 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
|
25% |
| 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
|
39% |
| 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
|
37% |
| Indirect Auto % |
13.7%
+8.4% YoY+2.2% QoQ
|
-0.3% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
59% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)