BlastPoint's Credit Union Scorecard

NORTHROP GRUMMAN

Charter #24292 · CA

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 40 in CA
View Mid-Market leaderboard →

NORTHROP GRUMMAN has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 15.6% in tier
  • + Organic Growth Engine: Top 42.7% in tier
  • + Strong member growth: 8.5% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.4% in tier
  • - Shrinking Wallet Share: Bottom 25.6% in tier
  • - Efficiency Drag: Bottom 53.9% in tier
  • - ROA 0.51% below tier average
  • - Efficiency ratio 9.80% above tier (higher cost structure)
  • - Delinquency rate 0.70% above tier average
  • - Loan-to-Share Ratio: Bottom 5.3% in tier
  • - AMR Growth Rate: Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 82,676
+8.5% YoY+1.0% QoQ
-14.8K 97,431
-2.4% YoY
60,320
+5.7% YoY
33,374
+5.7% YoY
44%
Assets $1.6B
+6.4% YoY+0.9% QoQ
$-100.1M $1.7B
+0.9% YoY
$1.3B
+6.2% YoY
$561.6M
+9.7% YoY
54%
Loans $841.4M
-1.4% YoY+1.2% QoQ
$-393.0M $1.2B
+0.5% YoY
$856.7M
+6.3% YoY
$397.0M
+8.8% YoY
18%
Deposits $1.5B
+5.6% YoY+0.9% QoQ
+$2.0M $1.5B
+0.9% YoY
$1.1B
+7.1% YoY
$477.3M
+9.7% YoY
59%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.2%
+62.8% YoY-12.6% QoQ
-0.5% 0.7%
+20.9% YoY
0.5%
+14.3% YoY
0.7%
+15.9% YoY
Bottom 8.9% in tier
NIM 2.9%
+3.5% YoY+0.7% QoQ
-0.4% 3.3%
+9.2% YoY
3.3%
+7.0% YoY
3.8%
+5.1% YoY
22%
Efficiency Ratio 83.9%
+2.4% YoY+0.6% QoQ
+9.8% 74.1%
-9.5% YoY
80.7%
-1.8% YoY
79.7%
-3.3% YoY
Top 10.9% in tier
Delinquency Rate 1.6%
+196.1% YoY+0.4% QoQ
+0.7 0.9%
+6.2% YoY
0.7%
-40.0% YoY
1.3%
-2.1% YoY
Top 10.3% in tier
Loan To Share 57.6%
-6.6% YoY+0.3% QoQ
-27.2% 84.8%
-0.8% YoY
68.6%
-1.3% YoY
67.4%
-1.7% YoY
Bottom 5.0% in tier
AMR $27,853
-5.1% YoY+0.0% QoQ
$-2K $29,428
+2.4% YoY
$28,728
+2.4% YoY
$19,687
+2.0% YoY
51%
CD Concentration 34.3%
+5.5% YoY+0.8% QoQ
+5.2% 29.0% 21.7% 19.8% 74%
Indirect Auto % 0.0% -18.3% 18.3% 9.2% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#23 of 142 • Top 15.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.49%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth
#106 of 247 • Top 42.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.49%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.18%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#6 of 211 • Bottom 2.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.06% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#21 of 79 • Bottom 25.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -5.10%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
79 of 378 Mid-Market CUs have this signature | 303 nationally
↓ Shrinking -33 CUs YoY | Rank improving

Efficiency Drag

risk
#49 of 90 • Bottom 53.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.86%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.07% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 8.49%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank improving

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)

Comparing against 302 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 302 Top 0.0% in 1B-3B tier
23
Member Growth Rate
growth
Value: 8.49%
Peer Median: -
#23 of 302 Top 7.3% in 1B-3B tier

Top Weaknesses (12 metrics)

287
Loan-to-Share Ratio
balance_sheet
Value: 57.58%
Peer Median: -
#287 of 302 Bottom 5.3% in 1B-3B tier
283
AMR Growth Rate
growth
Value: -5.10%
Peer Median: -
#283 of 302 Bottom 6.6% in 1B-3B tier
275
Return on Assets (ROA)
profitability
Value: 0.18%
Peer Median: -
#275 of 302 Bottom 9.3% in 1B-3B tier
272
Total Delinquency Rate (60+ days)
risk
Value: 1.60%
Peer Median: -
#272 of 302 Bottom 10.3% in 1B-3B tier
270
Efficiency Ratio
profitability
Value: 83.86%
Peer Median: -
#270 of 302 Bottom 10.9% in 1B-3B tier
269
Fee Income Per Member
profitability
Value: $130.93
Peer Median: -
#269 of 302 Bottom 11.3% in 1B-3B tier
259
Net Worth Ratio
risk
Value: 9.13%
Peer Median: -
#259 of 302 Bottom 14.6% in 1B-3B tier
253
Loan Growth Rate
growth
Value: -1.35%
Peer Median: -
#253 of 302 Bottom 16.6% in 1B-3B tier
247
Loan-to-Member Ratio (LMR)
engagement
Value: $10,177
Peer Median: -
#247 of 302 Bottom 18.5% in 1B-3B tier
246
Total Loans
balance_sheet
Value: $841.42M
Peer Median: -
#246 of 302 Bottom 18.9% in 1B-3B tier
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