BlastPoint's Credit Union Scorecard
NORTHAMPTON AREA SCHOOL DIST. EMPS
Charter #24911 · PA
NORTHAMPTON AREA SCHOOL DIST. EMPS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.28% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Members Per Employee (MPE): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.0% YoY
- - First Mortgage Concentration (%): Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
800
-5.0% YoY-1.8% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$12.1M
-2.8% YoY-1.2% QoQ
|
$-18.1M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$4.8M
-2.6% YoY-2.3% QoQ
|
$-10.5M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$9.7M
-5.0% YoY-1.7% QoQ
|
$-16.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
1.4%
-0.2% YoY+7.8% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
2.3%
+1.7% YoY-4.7% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
39.1%
+2.6% YoY-15.3% QoQ
|
-51.5% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 2.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
49.5%
+2.6% YoY-0.5% QoQ
|
-9.0% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$18,098
+0.8% YoY-0.1% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)