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
- + ROA 0.18% above tier average
- + Net Interest Margin 0.89% above tier average
- + Strong member growth: 11.2% YoY
- + Asset Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Member Growth Rate: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.78% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,166
+11.2% YoY+45.3% QoQ
|
+1.5K |
2,676
+1.6% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$43.7M
+44.1% YoY+6.0% QoQ
|
+$13.6M |
$30.2M
+1.3% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$28.0M
+24.9% YoY-1.3% QoQ
|
+$12.7M |
$15.3M
-2.0% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$37.0M
+42.1% YoY+3.8% QoQ
|
+$11.2M |
$25.8M
+0.7% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
0.3%
-79.2% YoY-74.7% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
4.9%
-16.4% YoY-17.0% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
95.4%
+29.3% YoY+17.3% QoQ
|
+4.8% |
90.6%
+6.5% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
0.4%
+271.1% YoY-24.3% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
75.5%
-12.1% YoY-4.9% QoQ
|
+17.0% |
58.5%
-3.0% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$15,597
+20.6% YoY-30.1% QoQ
|
+$712 |
$14,884
-1.7% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
1.3%
-88.1% YoY-42.3% QoQ
|
-23.0% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 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)