NORTHRIDGE COMMUNITY
Charter #61257 | MN
100M-500M
(1077 CUs)
Micro
($0-$500M)
31 100M-500M in MN
NORTHRIDGE COMMUNITY has 10 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 3.0% in tier
- + Organic Growth Engine: Top 5.2% in tier
- + Organic Growth Leader: Top 17.4% in tier
- + Wallet Share Momentum: Top 28.8% in tier
- + Relationship Depth Leader: Top 29.8% in tier
- + ROA 0.83% above tier average
- + Net Interest Margin 1.97% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.5% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.7% in tier
- - Growth-at-Risk: Bottom 12.2% in tier
- - Liquidity Strain: Bottom 20.8% in tier
- - Liquidity Overhang: Bottom 25.0% in tier
- - Delinquency rate 2.50% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Total Deposits: Bottom 5.4% in tier
- - First Mortgage Concentration (%): Bottom 6.3% in tier
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - Total Assets: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,710
+2.3% YoY-0.1% QoQ
|
-7.9K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.0% in tier |
| Assets |
$110.0M
+1.2% YoY-0.6% QoQ
|
$-121.3M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.8% in tier |
| Loans |
$88.0M
+3.1% YoY+1.5% QoQ
|
$-59.8M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
27th in tier |
| Deposits |
$93.3M
+6.5% YoY-1.6% QoQ
|
$-106.9M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.3% in tier |
| ROA |
1.6%
+11.3% YoY-6.9% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 9.1% in tier |
| NIM |
5.6%
+14.3% YoY+2.2% QoQ
|
+2.0% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
65.3%
+2.4% YoY-0.4% QoQ
|
-12.0% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 15.7% in tier |
| Delinquency Rate |
3.4%
+17.7% YoY-13.9% QoQ
|
+2.5 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 1.6% in tier |
| Loan To Share |
94.3%
-3.2% YoY+3.2% QoQ
|
+21.6% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 8.6% in tier |
| AMR |
$23,518
+2.5% YoY+0.0% QoQ
|
$-845 |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
57th in tier |
| CD Concentration |
18.0%
+33.3% YoY+7.1% QoQ
|
-6.4% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#58 of 627 • Top 3.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.62%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.30%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#97 of 603 • Top 5.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.30%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.62%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#230 of 430 • Top 17.4% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.30%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#793 of 1006 • Top 28.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
2.50%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#823 of 1006 • Top 29.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
2.50%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.4K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (4)
Credit Quality Pressure
risk
#141 of 736 • Bottom 5.7% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.50% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Growth-at-Risk
risk
#184 of 446 • Bottom 12.2% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
3.15%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.50% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#162 of 258 • Bottom 20.8% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.26%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
3.15%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#387 of 552 • Bottom 25.0% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
14.92%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
94.26%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
7
Net Interest Margin (NIM)
profitability
Value:
5.55%
Peer Avg: 3.58%
#7 of 1077
Top 0.6% in 100M-500M tier
71
Fee Income Per Member
profitability
Value:
$289.21
Peer Avg: $174.31
#71 of 1077
Top 6.5% in 100M-500M tier
93
Loan-to-Share Ratio
balance_sheet
Value:
94.26%
Peer Avg: 72.70%
#93 of 1077
Top 8.5% in 100M-500M tier
98
Return on Assets (ROA)
profitability
Value:
1.62%
Peer Avg: 0.79%
#98 of 1077
Top 9.0% in 100M-500M tier
168
Net Worth Ratio
risk
Value:
14.92%
Peer Avg: 12.15%
#168 of 1077
Top 15.5% in 100M-500M tier
170
Efficiency Ratio
profitability
Value:
65.30%
Peer Avg: 77.28%
#170 of 1077
Top 15.7% in 100M-500M tier
Top Weaknesses (7 metrics)
1061
Total Delinquency Rate (60+ days)
risk
Value:
3.35%
Peer Avg: 0.86%
#1061 of 1077
Bottom 1.6% in 100M-500M tier
1020
Total Deposits
balance_sheet
Value:
$93.34M
Peer Avg: $200.29M
#1020 of 1077
Bottom 5.4% in 100M-500M tier
1010
First Mortgage Concentration (%)
balance_sheet
Value:
59.39%
Peer Avg: 30.43%
#1010 of 1077
Bottom 6.3% in 100M-500M tier
1007
Net Charge-Off Rate
risk
Value:
1.19%
Peer Avg: 0.47%
#1007 of 1077
Bottom 6.6% in 100M-500M tier
1004
Total Assets
balance_sheet
Value:
$109.97M
Peer Avg: $231.30M
#1004 of 1077
Bottom 6.9% in 100M-500M tier
926
Total Members
engagement
Value:
7,710
Peer Avg: 15,628
#926 of 1077
Bottom 14.1% in 100M-500M tier
891
Members Per Employee (MPE)
engagement
Value:
248.710
Peer Avg: 332.881
#891 of 1077
Bottom 17.4% in 100M-500M tier