BlastPoint's Credit Union Scorecard
NORTHEAST COMMUNITY
Charter #23780 · CA
NORTHEAST COMMUNITY has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.4% in tier
- + Fee Income Per Member: Top 0.7% in tier
- + Net Worth Ratio: Top 4.9% in tier
- + AMR Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Members Per Employee (MPE): Bottom 9.2% in tier
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
998
-2.4% YoY-1.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$15.3M
+0.1% YoY-6.2% QoQ
|
$-14.5M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$4.4M
+51.1% YoY-1.4% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$10.0M
-1.1% YoY-3.7% QoQ
|
$-15.5M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
1.3%
+14.8% YoY-19.7% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.5%
-6.9% YoY+3.3% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
35% |
| Efficiency Ratio |
80.4%
-2.6% YoY+6.8% QoQ
|
-1.0% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
43.9%
+52.7% YoY+2.5% QoQ
|
-17.3% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$14,402
+13.3% YoY-1.9% QoQ
|
$-225 |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
19.0%
-4.0% YoY-0.8% QoQ
|
-5.5% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)