BlastPoint's Credit Union Scorecard
NORTHROP GRUMMAN
Charter #24292 · CA
NORTHROP GRUMMAN has 2 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 34.2% in tier
- + Organic Growth Engine: Top 34.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.0% in tier
- - Credit Quality Pressure: Bottom 48.4% in tier
- - Shrinking Wallet Share: Bottom 87.4% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 12.92% above tier (higher cost structure)
- - Delinquency rate 0.80% above tier average
- - Loan-to-Share Ratio: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,423
+3.5% YoY+0.9% QoQ
|
-12.6K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$1.7B
+4.2% YoY+1.9% QoQ
|
$-66.4M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$825.4M
-2.1% YoY-1.9% QoQ
|
$-388.3M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$1.5B
+3.9% YoY+2.1% QoQ
|
+$26.5M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
0.2%
+25.1% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.8% in tier |
| NIM |
2.9%
+5.9% YoY+1.5% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
87.6%
-2.4% YoY+4.4% QoQ
|
+12.9% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.8% in tier |
| Delinquency Rate |
1.6%
+2.6% YoY-2.4% QoQ
|
+0.8 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
55.3%
-5.7% YoY-3.9% QoQ
|
-27.9% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.6% in tier |
| AMR |
$27,779
-1.7% YoY-0.3% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
34.2%
+5.1% YoY-0.3% QoQ
|
+5.3% | 28.8% | 21.6% | 19.8% | 74% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 9.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)