NORTHROP GRUMMAN

Charter #24292 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

NORTHROP GRUMMAN has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 6.1% in tier
  • + Organic Growth Engine: Top 14.5% in tier
  • + Emerging Performer: Top 17.0% in tier
  • + Strong member growth: 7.5% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.9% in tier
  • - Shrinking Wallet Share: Bottom 6.9% in tier
  • - Efficiency Drag: Bottom 18.5% in tier
  • - ROA 0.50% below tier average
  • - Efficiency ratio 9.36% above tier (higher cost structure)
  • - Delinquency rate 0.77% above tier average
  • - Loan-to-Share Ratio: Bottom 4.9% in tier
  • - AMR Growth Rate: Bottom 5.9% in tier
  • - Asset Growth Rate: Bottom 6.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 81,880
+7.5% YoY+0.8% QoQ
 -16.8K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 42nd in tier
Assets $1.6B
-4.0% YoY+0.8% QoQ
 $-111.3M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 54th in tier
Loans $831.8M
-2.4% YoY-0.8% QoQ
 $-401.2M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 17.4% in tier
Deposits $1.4B
+4.9% YoY+0.5% QoQ
 $-5.9M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 0.2%
-36.0% YoY+32.5% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 8.6% in tier
NIM 2.9%
+6.2% YoY+2.4% QoQ
 -0.4% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 22.4% in tier
Efficiency Ratio 83.3%
+2.3% YoY-2.8% QoQ
 +9.4% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 13.5% in tier
Delinquency Rate 1.6%
+243.5% YoY-2.4% QoQ
 +0.8 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 8.9% in tier
Loan To Share 57.4%
-7.0% YoY-1.3% QoQ
 -27.8% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 4.6% in tier
AMR $27,849
-5.0% YoY-0.8% QoQ
 $-1K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 34.0%
+8.1% YoY+2.3% QoQ
 +5.0% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 74th in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#25 of 138 • Top 6.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.49%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#106 of 246 • Top 14.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.49%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.21%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Emerging Performer

growth
#91 of 184 • Top 17.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.21%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 7.49%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk
#8 of 217 • Bottom 0.9% in tier

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

Why This Signature
Delinquency Change (YoY): 1.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#22 of 83 • Bottom 6.9% in tier

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

Why This Signature
AMR Growth (YoY): -4.98%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Efficiency Drag

risk
#62 of 96 • Bottom 18.5% in tier

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

Why This Signature
Efficiency Ratio: 83.33%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.12% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 7.49%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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 304 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
30
Member Growth Rate
growth
Value: 7.49%
Peer Avg: 2.20%
#30 of 304 Top 9.5% in 1B-3B tier

Top Weaknesses (13 metrics)

290
Loan-to-Share Ratio
balance_sheet
Value: 57.43%
Peer Avg: 85.19%
#290 of 304 Bottom 4.9% in 1B-3B tier
287
AMR Growth Rate
growth
Value: -4.98%
Peer Avg: 3.29%
#287 of 304 Bottom 5.9% in 1B-3B tier
285
Asset Growth Rate
growth
Value: -3.96%
Peer Avg: 4.83%
#285 of 304 Bottom 6.6% in 1B-3B tier
278
Return on Assets (ROA)
profitability
Value: 0.21%
Peer Avg: 0.70%
#278 of 304 Bottom 8.9% in 1B-3B tier
278
Total Delinquency Rate (60+ days)
risk
Value: 1.59%
Peer Avg: 0.83%
#278 of 304 Bottom 8.9% in 1B-3B tier
267
Fee Income Per Member
profitability
Value: $135.75
Peer Avg: $210.52
#267 of 304 Bottom 12.5% in 1B-3B tier
264
Efficiency Ratio
profitability
Value: 83.33%
Peer Avg: 73.97%
#264 of 304 Bottom 13.5% in 1B-3B tier
262
Loan Growth Rate
growth
Value: -2.40%
Peer Avg: 5.27%
#262 of 304 Bottom 14.1% in 1B-3B tier
251
Total Loans
balance_sheet
Value: $831.83M
Peer Avg: $1.23B
#251 of 304 Bottom 17.8% in 1B-3B tier
247
Net Worth Ratio
risk
Value: 9.39%
Peer Avg: 11.44%
#247 of 304 Bottom 19.1% in 1B-3B tier