BlastPoint's Credit Union Scorecard
NORTHWOOD
Charter #5062 · PA
2556 CUs in <100M nationally
190 in PA
NORTHWOOD has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.4% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Efficiency ratio 38.90% above tier (higher cost structure)
- - Member decline: -8.5% YoY
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Member Growth Rate: Bottom 7.1% in tier
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
312
-8.5% YoY-2.2% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 8.1% in tier |
| Assets |
$7.1M
+1.5% YoY-2.4% QoQ
|
$-23.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$2.4M
-8.0% YoY-9.5% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$5.7M
+2.1% YoY-3.2% QoQ
|
$-20.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
-0.4%
+84.8% YoY+60.2% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.8% in tier |
| NIM |
2.0%
-6.2% YoY-0.4% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
121.5%
+9.5% YoY+7.2% QoQ
|
+38.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 3.8% in tier |
| Delinquency Rate |
0.7%
-58.2% YoY-21.6% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
42.0%
-9.9% YoY-6.6% QoQ
|
-18.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$25,942
+8.0% YoY-3.0% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 7.2% in tier |
| CD Concentration |
49.5%
+23.6% YoY+3.9% QoQ
|
+25.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
89
Net Charge-Off Rate
risk
Value:
-0.10%
Peer Median: -
#89 of 2556
Top 3.4% in <100M tier
184
Average Member Relationship (AMR)
engagement
Value:
$25,942
Peer Median: -
#184 of 2556
Top 7.2% in <100M tier
365
AMR Growth Rate
growth
Value:
8.04%
Peer Median: -
#365 of 2556
Top 14.2% in <100M tier
516
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,679
Peer Median: -
#516 of 2556
Top 20.1% in <100M tier
Top Weaknesses (11 metrics)
2523
First Mortgage Concentration (%)
balance_sheet
Value:
77.79%
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2461
Efficiency Ratio
profitability
Value:
121.46%
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier
2457
Net Interest Margin (NIM)
profitability
Value:
2.01%
Peer Median: -
#2457 of 2556
Bottom 3.9% in <100M tier
2457
Share Certificate Concentration (%)
balance_sheet
Value:
49.46%
Peer Median: -
#2457 of 2556
Bottom 3.9% in <100M tier
2433
Members Per Employee (MPE)
engagement
Value:
78.000
Peer Median: -
#2433 of 2556
Bottom 4.9% in <100M tier
2376
Member Growth Rate
growth
Value:
-8.50%
Peer Median: -
#2376 of 2556
Bottom 7.1% in <100M tier
2346
Total Members
engagement
Value:
312
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2306
Return on Assets (ROA)
profitability
Value:
-0.45%
Peer Median: -
#2306 of 2556
Bottom 9.8% in <100M tier
2047
Total Loans
balance_sheet
Value:
$2.40M
Peer Median: -
#2047 of 2556
Bottom 20.0% in <100M tier
1992
Loan-to-Share Ratio
balance_sheet
Value:
42.05%
Peer Median: -
#1992 of 2556
Bottom 22.1% in <100M tier