BlastPoint's Credit Union Scorecard
NORTH COUNTRY
Charter #24312 · VT
NORTH COUNTRY has 4 strengths but faces 5 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 23.7% in tier
- + Organic Growth Engine: Top 23.7% in tier
- + Emerging Performer: Top 45.9% in tier
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 32.0% in tier
- - Credit Risk Growth: Bottom 36.3% in tier
- - Liquidity Strain: Bottom 41.9% in tier
- - Efficiency ratio 4.45% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
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 2 that size in Vermont.
- Shares and deposits +5.1% year over year ($1.00B in shares and deposits).
- Membership: 79,521 members, +4.8% vs a year ago.
- Delinquency rate 1.09%.
- Return on assets 0.82%.
- Efficiency ratio 77.47% vs a 73.02% peer average.
- Loan-to-share ratio 91.25% 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 (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
79,521
+4.8% YoY+1.1% QoQ
|
-17.3K |
96,861
-1.9% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$1.1B
+7.4% YoY+0.4% QoQ
|
$-588.4M |
$1.7B
+0.4% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$914.6M
+7.9% YoY+2.3% QoQ
|
$-319.6M |
$1.2B
+0.7% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$1.0B
+5.1% YoY+0.2% QoQ
|
$-461.1M |
$1.5B
+0.5% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.8%
+82.7% YoY+65.4% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
3.8%
+5.7% YoY+1.3% QoQ
|
+0.4% |
3.4%
+6.6% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
77.5%
-4.4% YoY-4.3% QoQ
|
+4.5% |
73.0%
-2.7% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
1.1%
+12.2% YoY+34.9% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
91.3%
+2.7% YoY+2.1% QoQ
|
+6.5% |
84.7%
+0.1% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$24,105
+1.6% YoY+0.1% QoQ
|
$-5K |
$29,575
+1.5% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
34.1%
+0.3% YoY-2.5% QoQ
|
+5.0% | 29.1% | 23.4% | 20.0% | 72% |
| Indirect Auto % |
14.4%
+0.8% YoY-0.2% QoQ
|
-3.7% | 18.1% | 5.8% | 7.7% | 46% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)