BlastPoint's Credit Union Scorecard
NORTHROP GRUMMAN
Charter #24292 · CA
NORTHROP GRUMMAN has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
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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| 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
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)