BlastPoint's Credit Union Scorecard

NORTHLAND AREA

Charter #11979 · MI

Community 500M-750M

165 CUs in 500M-750M nationally 9 in MI

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NORTHLAND AREA has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 72.7% in tier
+ Organic Growth Engine: Top 87.9% in tier
+ Wallet Share Momentum: Top 93.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.1% in tier
- ROA 0.11% below tier average
- Efficiency ratio 5.16% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	46,276 +1.5% YoY+0.6% QoQ	+7.7K	38,575 -4.8% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	80%
Assets	$710.7M +8.8% YoY+1.4% QoQ	+$88.9M	$621.7M +0.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	84%
Loans	$458.8M +6.1% YoY+2.4% QoQ	+$28.9M	$429.8M -1.8% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	61%
Deposits	$627.6M +7.5% YoY+0.9% QoQ	+$88.9M	$538.7M +0.6% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 12.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +3.7% YoY-11.5% QoQ	-0.1%	0.7% +42.9% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	43%
NIM	2.9% +2.9% YoY+0.5% QoQ	-0.5%	3.4% +8.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	18%
Efficiency Ratio	82.7% -2.4% YoY+1.1% QoQ	+5.2%	77.5% -4.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	0.8% -4.6% YoY-0.8% QoQ	-0.1	0.8% -1.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	57%
Loan To Share	73.1% -1.3% YoY+1.5% QoQ	-6.7%	79.8% -2.3% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	26%
AMR	$23,476 +5.3% YoY+0.9% QoQ	$-3K	$26,849 +2.7% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	37%
CD Concentration	20.9% +7.8% YoY+1.2% QoQ	-3.5%	24.4%	18.6%	19.8%	38%
Indirect Auto %	13.9% +7.9% YoY+1.5% QoQ	+0.1%	13.8%	11.8%	7.8%	60%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#310 of 426 • Top 72.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.46%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 13.89%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#523 of 595 • Top 87.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.46%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.55%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 13.89%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#479 of 513 • Top 93.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.32%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#141 of 538 • Bottom 26.1% in tier

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

Why This Signature

Efficiency Ratio: 82.68%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.46%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $627.64M

Peer Median: -

#20 of 165 Top 11.5% in 500M-750M tier

Total Assets

balance_sheet

Value: $710.65M

Peer Median: -

#27 of 165 Top 15.8% in 500M-750M tier

Asset Growth Rate

growth

Value: 8.76%

Peer Median: -

#32 of 165 Top 18.8% in 500M-750M tier

Total Members

engagement

Value: 46,276

Peer Median: -

#33 of 165 Top 19.4% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.93%

Peer Median: -

#41 of 165 Top 24.2% in 500M-750M tier

Deposit Growth Rate

growth

Value: 7.45%

Peer Median: -

#42 of 165 Top 24.8% in 500M-750M tier

Top Weaknesses (2 metrics)

135

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: -

#135 of 165 Bottom 18.8% in 500M-750M tier

125

Efficiency Ratio

profitability

Value: 82.68%

Peer Median: -

#125 of 165 Bottom 24.8% in 500M-750M tier