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 0.06% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Fee Income Per Member: Top 0.7% in tier
- + Loan Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + Net Worth Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.88% above tier (higher cost structure)
- - Member decline: -9.6% YoY
- - Member Growth Rate: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 7.0% in tier
- - First Mortgage Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
927
-9.6% YoY-7.1% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$15.7M
-1.2% YoY+2.2% QoQ
|
$-14.5M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$5.2M
+42.4% YoY+19.4% QoQ
|
$-10.5M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$10.4M
-2.8% YoY+3.9% QoQ
|
$-15.3M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.7%
-61.3% YoY-48.6% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.6%
-4.7% YoY+1.7% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
89.4%
+18.4% YoY+11.2% QoQ
|
+6.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
50.4%
+46.5% YoY+14.9% QoQ
|
-10.2% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$16,843
+20.4% YoY+16.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
15.9%
-28.8% YoY-16.0% QoQ
|
-8.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)