BlastPoint's Credit Union Scorecard
NORTHEAST COMMUNITY
Charter #23780 · CA
NORTHEAST COMMUNITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.51% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Fee Income Per Member: Top 0.1% in tier
- + Loan Growth Rate: Top 4.6% in tier
- + Net Worth Ratio: Top 4.7% in tier
- + AMR Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.5% YoY
- - Member Growth Rate: Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
- - First Mortgage Concentration (%): Bottom 8.5% in tier
- - Asset Growth Rate: Bottom 9.0% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -5.7% year over year ($9.8M in shares and deposits).
- Membership: 903 members, -10.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 4.00%.
- Efficiency ratio 85.33% vs a 88.77% peer average.
- Loan-to-share ratio 53.12% vs a 58.89% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
903
-10.5% YoY-2.9% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$15.2M
-7.2% YoY-3.9% QoQ
|
$-15.1M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$5.2M
+16.8% YoY-4.6% QoQ
|
$-10.3M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$9.8M
-5.7% YoY-5.5% QoQ
|
$-16.0M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
4.0%
+143.7% YoY+53.8% QoQ
|
+2.5% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 2.5% in tier |
| NIM |
3.3%
-3.1% YoY+5.2% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
85.3%
+13.3% YoY+25.8% QoQ
|
-3.4% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
53.1%
+23.9% YoY+1.0% QoQ
|
-5.8% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$16,584
+12.9% YoY-2.4% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
13.0%
-31.9% YoY+5.2% QoQ
|
-11.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 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)