BlastPoint's Credit Union Scorecard
NORTHLAND AREA
Charter #11979 · MI
NORTHLAND AREA has 3 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.3% in tier
- + Organic Growth Engine: Top 10.3% in tier
- + Total Deposits: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Efficiency ratio 2.99% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in Michigan.
- Shares and deposits +5.1% year over year ($649M in shares and deposits).
- Membership: 48,241 members, +4.9% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.76%.
- Efficiency ratio 79.55% vs a 76.56% peer average.
- Loan-to-share ratio 73.26% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,241
+4.9% YoY+4.1% QoQ
|
+10.3K |
37,897
-5.0% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 11.5% in tier |
| Assets |
$714.4M
+3.1% YoY+0.9% QoQ
|
+$92.0M |
$622.4M
+0.6% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$475.4M
+7.0% YoY+3.4% QoQ
|
+$46.9M |
$428.5M
-0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$648.9M
+5.1% YoY+2.1% QoQ
|
+$109.1M |
$539.8M
+0.9% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 6.1% in tier |
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| ROA |
0.8%
+15.7% YoY+28.8% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.2%
+8.7% YoY+1.9% QoQ
|
-0.4% |
3.5%
+5.0% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
79.6%
-3.3% YoY-2.8% QoQ
|
+3.0% |
76.6%
-3.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.9%
-12.9% YoY+6.4% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
73.3%
+1.7% YoY+1.3% QoQ
|
-6.1% |
79.3%
-1.4% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$23,304
+0.9% YoY-1.4% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
20.8%
+3.4% YoY-2.5% QoQ
|
-3.7% | 24.6% | 18.8% | 20.0% | 36% |
| Indirect Auto % |
13.9%
+3.8% YoY+0.0% QoQ
|
+0.3% | 13.6% | 11.7% | 7.7% | 61% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)