BlastPoint's Credit Union Scorecard
NORTHEAST COMMUNITY
Charter #23780 · CA
NORTHEAST COMMUNITY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.45% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Fee Income Per Member: Top 0.2% in tier
- + Loan Growth Rate: Top 0.8% in tier
- + AMR Growth Rate: Top 2.8% in tier
- + Net Worth Ratio: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.3% YoY
- - First Mortgage Concentration (%): Bottom 6.4% in tier
- - Member Growth Rate: Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
930
-9.3% YoY+0.3% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$15.8M
-0.8% YoY+0.8% QoQ
|
$-14.4M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$5.4M
+49.7% YoY+4.0% QoQ
|
$-9.8M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$10.4M
-3.2% YoY-0.2% QoQ
|
$-15.4M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
2.6%
+211.8% YoY+284.2% QoQ
|
+2.5% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.9% in tier |
| NIM |
3.1%
-17.2% YoY-12.4% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
67.8%
-19.1% YoY-24.2% QoQ
|
-22.8% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
52.6%
+54.6% YoY+4.3% QoQ
|
-5.9% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$16,991
+21.5% YoY+0.9% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
12.4%
-25.6% YoY-22.4% QoQ
|
-11.9% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)