BlastPoint's Credit Union Scorecard
NORTHWOOD
Charter #5062 · PA
NORTHWOOD has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 21.37% above tier (higher cost structure)
- - Member decline: -10.0% YoY
- - First Mortgage Concentration (%): Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 4.5% in tier
- - Members Per Employee (MPE): Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
296
-10.0% YoY-5.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 7.7% in tier |
| Assets |
$6.8M
-6.6% YoY-4.3% QoQ
|
$-23.3M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$2.3M
-23.2% YoY-4.8% QoQ
|
$-13.0M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$5.4M
-8.3% YoY-4.8% QoQ
|
$-20.4M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
-0.3%
+56.1% YoY-43.3% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
2.0%
+3.5% YoY+1.3% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
112.0%
+3.8% YoY-7.8% QoQ
|
+21.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
0.7%
-73.8% YoY-9.1% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
42.0%
-16.3% YoY-0.0% QoQ
|
-16.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$26,025
-3.6% YoY+0.3% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Top 7.2% in tier |
| CD Concentration |
47.7%
+36.2% YoY-3.6% QoQ
|
+23.4% | 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)