BlastPoint's Credit Union Scorecard
NORTHROP GRUMMAN
Charter #24292 · CA
NORTHROP GRUMMAN has 5 strengths but faces 10 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 6.1% in tier
- + Organic Growth Engine: Top 14.5% 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
|
42% |
| 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
|
54% |
| 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
|
17% |
| 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
|
58% |
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| 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
|
22% |
| 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
|
52% |
| CD Concentration |
34.0%
+8.1% YoY+2.3% QoQ
|
+5.0% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
74% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)