BlastPoint's Credit Union Scorecard
NORTHERN LIGHTS
Charter #24878 · VT
NORTHERN LIGHTS has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.21% above tier average
- + Strong member growth: 15.9% YoY
- + Asset Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 1.7% in tier
- + Member Growth Rate: Top 2.7% in tier
- + AMR Growth Rate: Top 3.9% in tier
- + Net Charge-Off Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below 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 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Vermont.
- Shares and deposits +40.7% year over year ($36.2M in shares and deposits).
- Membership: 4,067 members, +15.9% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 0.91%.
- Efficiency ratio 86.61% vs a 88.77% peer average.
- Loan-to-share ratio 80.66% vs a 58.89% 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 |
4,067
+15.9% YoY-2.4% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$42.8M
+41.0% YoY-2.1% QoQ
|
+$12.5M |
$30.3M
+1.5% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$29.2M
+30.6% YoY+4.5% QoQ
|
+$13.8M |
$15.5M
-1.7% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$36.2M
+40.7% YoY-2.2% QoQ
|
+$10.4M |
$25.8M
+1.1% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.9%
-31.6% YoY+180.6% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
5.1%
-6.2% YoY+4.3% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
86.6%
+10.5% YoY-9.2% QoQ
|
-2.2% |
88.8%
-6.9% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.3%
+184.0% YoY-21.9% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
80.7%
-7.2% YoY+6.8% QoQ
|
+21.8% |
58.9%
-3.1% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$16,087
+17.4% YoY+3.1% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
1.1%
-91.4% YoY-18.5% QoQ
|
-23.5% | 24.6% | 23.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.8% | 7.7% | 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)