BlastPoint's Credit Union Scorecard

NORTHERN LIGHTS COMMUNITY

Charter #5272 · MI

<100M

2508 CUs in <100M nationally 56 in MI

NORTHERN LIGHTS COMMUNITY shows strong momentum with 4 strengths and 7.2% YoY member growth

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 2.24% above tier average
+ Net Interest Margin 0.79% above tier average
+ Strong member growth: 7.2% YoY
+ Member Growth Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	1,288 +7.2% YoY-1.8% QoQ	-1.4K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	36%
Assets	$12.6M +2.9% YoY-0.1% QoQ	$-17.6M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	37%
Loans	$3.4M -8.9% YoY-2.4% QoQ	$-11.9M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	26%
Deposits	$11.4M +1.3% YoY-0.2% QoQ	$-14.4M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	39%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.4% +13.5% YoY+24.6% QoQ	+2.2%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 3.5% in tier
NIM	4.8% -1.2% YoY+3.5% QoQ	+0.8%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 14.9% in tier
Efficiency Ratio	72.8% +9.8% YoY+4.8% QoQ	-17.8%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	0.9% -11.5% QoQ	-0.6	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	62%
Loan To Share	29.5% -10.1% YoY-2.2% QoQ	-29.0%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 11.3% in tier
AMR	$11,425 -7.9% YoY+1.1% QoQ	$-3K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	36%
CD Concentration	2.9% +49.9% YoY+67.8% QoQ	-21.4%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Return on Assets (ROA)

profitability

Value: 2.39%

Peer Median: 0.61%

#87 of 2508 Top 3.4% in <100M tier

121

Member Growth Rate

growth

Value: 7.24%

Peer Median: -1.37%

#121 of 2508 Top 4.8% in <100M tier

291

Net Charge-Off Rate

risk

Value: -0.06%

Peer Median: 0.07%

#291 of 2508 Top 11.6% in <100M tier

373

Net Interest Margin (NIM)

profitability

Value: 4.80%

Peer Median: 3.83%

#373 of 2508 Top 14.8% in <100M tier

Top Weaknesses (5 metrics)

2247

AMR Growth Rate

growth

Value: -7.90%

Peer Median: 1.27%

#2247 of 2508 Bottom 10.4% in <100M tier

2223

Loan-to-Share Ratio

balance_sheet

Value: 29.54%

Peer Median: 58.72%

#2223 of 2508 Bottom 11.4% in <100M tier

2171

Net Worth Ratio

risk

Value: 9.51%

Peer Median: 14.28%

#2171 of 2508 Bottom 13.5% in <100M tier

2043

Members Per Employee (MPE)

engagement

Value: 214.667

Peer Median: 333.750

#2043 of 2508 Bottom 18.6% in <100M tier

2008

Loan-to-Member Ratio (LMR)

engagement

Value: $2,605

Peer Median: $4,923

#2008 of 2508 Bottom 20.0% in <100M tier