NORTHERN LIGHTS
Charter #24878 | VT
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in VT
NORTHERN LIGHTS has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 20.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Member Growth Rate: Top 1.6% in tier
- + Loan Growth Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.75% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,953
+20.9% YoY+41.2% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
Top 14.4% in tier |
| Assets |
$42.7M
+43.9% YoY+40.7% QoQ
|
+$12.9M |
$29.9M
+1.1% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
72nd in tier |
| Loans |
$28.5M
+21.6% YoY+27.4% QoQ
|
+$12.7M |
$15.8M
-2.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
Top 19.5% in tier |
| Deposits |
$36.6M
+42.6% YoY+42.3% QoQ
|
+$11.2M |
$25.5M
+0.4% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
72nd in tier |
| ROA |
0.8%
+0.3% YoY-36.6% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
54th in tier |
| NIM |
4.5%
-8.7% YoY-16.5% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
74th in tier |
| Efficiency Ratio |
84.1%
-2.2% YoY+7.4% QoQ
|
+2.8% |
81.4%
-2.4% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
65th in tier |
| Delinquency Rate |
0.1%
-77.3% YoY-39.7% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.1% in tier |
| Loan To Share |
77.8%
-14.8% YoY-10.5% QoQ
|
+16.6% |
61.2%
-3.0% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$13,148
+9.7% YoY-4.1% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
47th in tier |
| CD Concentration |
6.2%
-38.7% YoY-49.8% QoQ
|
-18.2% |
24.4%
+4.2% YoY
|
22.7%
-1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.9%
-7.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
13
Asset Growth Rate
growth
Value:
43.87%
Peer Avg: 1.82%
#13 of 2596
Top 0.5% in <100M tier
14
Deposit Growth Rate
growth
Value:
42.64%
Peer Avg: 16.80%
#14 of 2596
Top 0.5% in <100M tier
43
Member Growth Rate
growth
Value:
20.89%
Peer Avg: 14.92%
#43 of 2596
Top 1.6% in <100M tier
69
Loan Growth Rate
growth
Value:
21.59%
Peer Avg: 59.01%
#69 of 2596
Top 2.6% in <100M tier
262
AMR Growth Rate
growth
Value:
9.68%
Peer Avg: 4.67%
#262 of 2596
Top 10.1% in <100M tier
374
Total Members
engagement
Value:
4,953
Peer Avg: 2,626
#374 of 2596
Top 14.4% in <100M tier
470
Total Delinquency Rate (60+ days)
risk
Value:
0.06%
Peer Avg: 1.51%
#470 of 2596
Top 18.1% in <100M tier
505
Total Loans
balance_sheet
Value:
$28.49M
Peer Avg: $15.77M
#505 of 2596
Top 19.4% in <100M tier
Top Weaknesses (0 metrics)
No weakness rankings available