BlastPoint's Credit Union Scorecard
NORTHROP GRUMMAN
Charter #24292 · CA
NORTHROP GRUMMAN has 2 strengths but faces 7 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 37.9% in tier
- + Organic Growth Engine: Top 37.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.3% in tier
- - Shrinking Wallet Share: Bottom 86.6% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 13.72% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Loan-to-Share Ratio: Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +3.0% year over year ($1.48B in shares and deposits).
- Membership: 83,767 members, +3.2% vs a year ago.
- Delinquency rate 1.62%.
- Return on assets 0.20%.
- Efficiency ratio 86.74% vs a 73.02% peer average.
- Loan-to-share ratio 55.79% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,767
+3.2% YoY+0.4% QoQ
|
-13.1K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$1.6B
+3.1% YoY-0.5% QoQ
|
$-78.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$827.9M
-1.2% YoY+0.3% QoQ
|
$-406.3M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$1.5B
+3.0% YoY-0.5% QoQ
|
+$20.5M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
0.2%
+32.2% YoY-8.7% QoQ
|
-0.6% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.0% in tier |
| NIM |
3.0%
+7.1% YoY+2.3% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
86.7%
+1.1% YoY-0.9% QoQ
|
+13.7% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.7% in tier |
| Delinquency Rate |
1.6%
-0.8% YoY+3.7% QoQ
|
+0.8 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
55.8%
-4.1% YoY+0.9% QoQ
|
-28.9% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.0% in tier |
| AMR |
$27,597
-1.7% YoY-0.7% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
34.6%
+4.2% YoY+1.3% QoQ
|
+5.5% | 29.1% | 22.2% | 20.0% | 74% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 9.2% | 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 (2)
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.
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)