BlastPoint's Credit Union Scorecard
NORTHERN LIGHTS
Charter #24878 · VT
NORTHERN LIGHTS has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 1.95% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 3.1% in tier
- + Net Charge-Off Rate: Top 5.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -30.6% YoY
- - Member Growth Rate: Bottom 1.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,868
-30.6% YoY-42.1% QoQ
|
+252 |
2,615
-1.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$41.3M
+31.4% YoY-3.4% QoQ
|
+$11.1M |
$30.1M
+2.1% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$28.3M
+21.4% YoY-0.6% QoQ
|
+$12.6M |
$15.8M
-1.3% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$35.7M
+30.9% YoY-2.6% QoQ
|
+$10.0M |
$25.7M
+1.4% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
1.3%
+20.8% YoY+52.0% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
5.9%
+19.6% YoY+29.7% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
Top 4.4% in tier |
| Efficiency Ratio |
81.3%
-3.4% YoY-3.3% QoQ
|
-1.2% |
82.6%
-2.3% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.5%
+697.3% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
79.4%
-7.3% YoY+2.1% QoQ
|
+18.8% |
60.6%
-3.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$22,318
+82.4% YoY+69.7% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
Top 13.6% in tier |
| CD Concentration |
2.3%
-76.4% YoY-63.6% QoQ
|
-22.2% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)