NORTHERN LIGHTS COMMUNITY

Charter #5272 | MI

<100M (2596 CUs) Micro
61 <100M in 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
 36th in tier
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
 37th in tier
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
 26th in tier
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
 39th in tier
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
 Top 21.5% in tier
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
 Bottom 24.8% in tier
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
 47th in tier
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
 35th in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
128
Member Growth Rate
growth
Value: 7.29%
Peer Avg: 14.92%
#128 of 2596 Top 4.9% in <100M tier
184
Asset Growth Rate
growth
Value: 10.77%
Peer Avg: 1.82%
#184 of 2596 Top 7.0% in <100M tier
194
Return on Assets (ROA)
profitability
Value: 2.10%
Peer Avg: 0.68%
#194 of 2596 Top 7.4% in <100M tier
255
Deposit Growth Rate
growth
Value: 9.57%
Peer Avg: 16.80%
#255 of 2596 Top 9.8% in <100M tier
559
Net Interest Margin (NIM)
profitability
Value: 4.67%
Peer Avg: 3.93%
#559 of 2596 Top 21.5% in <100M tier
646
Efficiency Ratio
profitability
Value: 66.87%
Peer Avg: 81.39%
#646 of 2596 Top 24.8% in <100M tier

Top Weaknesses (6 metrics)

2370
Loan Growth Rate
growth
Value: -17.14%
Peer Avg: 59.01%
#2370 of 2596 Bottom 8.7% in <100M tier
2348
Net Worth Ratio
risk
Value: 8.99%
Peer Avg: 16.43%
#2348 of 2596 Bottom 9.6% in <100M tier
2302
Loan-to-Share Ratio
balance_sheet
Value: 31.47%
Peer Avg: 61.23%
#2302 of 2596 Bottom 11.4% in <100M tier
2229
Members Per Employee (MPE)
engagement
Value: 187.143
Peer Avg: 365.701
#2229 of 2596 Bottom 14.2% in <100M tier
2152
AMR Growth Rate
growth
Value: -5.19%
Peer Avg: 4.67%
#2152 of 2596 Bottom 17.1% in <100M tier
2078
Loan-to-Member Ratio (LMR)
engagement
Value: $2,670
Peer Avg: $5,488
#2078 of 2596 Bottom 20.0% in <100M tier