BlastPoint's Credit Union Scorecard
NORTH COUNTRY
Charter #24312 · VT
NORTH COUNTRY has 4 strengths but faces 4 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 22.4% in tier
- + Organic Growth Engine: Top 22.4% in tier
- + Net Interest Margin 0.44% above tier average
- + Strong member growth: 5.1% YoY
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23.2% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 6.31% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,661
+5.1% YoY+1.0% QoQ
|
-17.4K |
96,048
-2.7% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$1.1B
+8.8% YoY+4.3% QoQ
|
$-588.4M |
$1.7B
+0.4% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.7% in tier |
| Loans |
$894.0M
+9.9% YoY+0.4% QoQ
|
$-319.7M |
$1.2B
+0.2% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$1.0B
+6.7% YoY+4.7% QoQ
|
$-465.4M |
$1.5B
+0.5% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.5%
+39.1% YoY-23.2% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
3.8%
+3.7% YoY+2.0% QoQ
|
+0.4% |
3.4%
+6.2% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
80.9%
-3.5% YoY+5.1% QoQ
|
+6.3% |
74.6%
-3.0% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
0.8%
-3.0% YoY-23.0% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
89.4%
+3.0% YoY-4.2% QoQ
|
+6.2% |
83.2%
-0.4% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$24,080
+3.0% YoY+1.6% QoQ
|
$-6K |
$29,652
+2.3% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
35.0%
+3.1% YoY+3.1% QoQ
|
+6.1% | 28.8% | 21.8% | 19.8% | 78% |
| Indirect Auto % |
14.4%
+3.4% YoY-0.7% QoQ
|
-3.7% | 18.1% | 5.5% | 7.7% | 47% |
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 (1)
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)