BlastPoint's Credit Union Scorecard
NORTHERN LIGHTS COMMUNITY
Charter #5272 · MI
NORTHERN LIGHTS COMMUNITY has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Net Interest Margin 0.73% above tier average
- + Strong member growth: 7.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.9% in tier
- + Asset Growth Rate: Top 7.0% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 8.7% in tier
- - Net Worth Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,310
+7.3% YoY+8.4% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$12.3M
+10.8% YoY-0.6% QoQ
|
$-17.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$3.5M
-17.1% YoY-2.7% QoQ
|
$-12.3M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$11.1M
+9.6% YoY-1.3% QoQ
|
$-14.3M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
2.1%
+141.2% YoY-3.4% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 7.5% in tier |
| NIM |
4.7%
+2.2% YoY+1.9% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
66.9%
-23.3% YoY+3.3% QoQ
|
-14.5% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.6%
+7.0% YoY+118.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
31.5%
-24.4% YoY-1.5% QoQ
|
-29.8% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.2% in tier |
| AMR |
$11,155
-5.2% YoY-9.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
2.1%
+6.0% YoY+1.6% QoQ
|
-22.3% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)