BlastPoint's Credit Union Scorecard
NORTH COUNTRY
Charter #24312 · VT
NORTH COUNTRY has 5 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does VT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 34.0% in tier
- + Organic Growth Engine: Top 40.2% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.45% above tier average
- + Strong member growth: 5.1% YoY
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16.0% in tier
- - Credit Quality Pressure: Bottom 37.6% in tier
- - Liquidity Strain: Bottom 57.0% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 2.95% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Total Assets: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,854
+5.1% YoY+0.9% QoQ
|
-19.6K |
97,431
-2.4% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$1.1B
+9.0% YoY-0.3% QoQ
|
$-638.4M |
$1.7B
+0.9% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.3% in tier |
| Loans |
$890.5M
+10.2% YoY+1.3% QoQ
|
$-343.9M |
$1.2B
+0.5% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$954.9M
+6.7% YoY-0.6% QoQ
|
$-504.4M |
$1.5B
+0.9% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.9% in tier |
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| ROA |
0.6%
+1.7% YoY-10.1% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.7%
+7.5% YoY+1.5% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
77.0%
-2.6% YoY-0.4% QoQ
|
+3.0% |
74.1%
-9.5% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.0%
+20.8% YoY+19.5% QoQ
|
+0.2 |
0.9%
+6.2% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
93.3%
+3.2% YoY+1.9% QoQ
|
+8.5% |
84.8%
-0.8% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$23,704
+3.1% YoY-0.6% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
33.9%
+4.2% YoY-1.2% QoQ
|
+4.9% | 29.0% | 23.0% | 19.8% | 73% |
| Indirect Auto % |
14.5%
+4.2% YoY+13.7% QoQ
|
-3.8% | 18.3% | 5.2% | 7.8% | 47% |
Signature Analysis
Strengths (3)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)