BlastPoint's Credit Union Scorecard
NORTH DISTRICTS
Charter #61636 · PA
2596 CUs in <100M nationally
198 in PA
NORTH DISTRICTS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.74% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,316
-1.4% YoY+0.3% QoQ
|
+690 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$44.2M
-0.9% YoY-2.5% QoQ
|
+$14.4M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$15.6M
-5.7% YoY-1.9% QoQ
|
$-151K |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$37.3M
-1.9% YoY-3.3% QoQ
|
+$11.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
73% |
| ROA |
1.2%
+8.4% YoY-9.9% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.1%
-6.3% YoY+0.6% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
65.9%
+23.5% YoY+6.3% QoQ
|
-15.5% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
7.3%
+21.4% YoY+4.2% QoQ
|
+5.7 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.5% in tier |
| Loan To Share |
41.9%
-3.8% YoY+1.5% QoQ
|
-19.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$15,957
-1.7% YoY-3.2% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
21.4%
+15.5% YoY+10.1% QoQ
|
-3.0% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
134
Net Charge-Off Rate
risk
Value:
-0.06%
Peer Avg: 0.57%
#134 of 2596
Top 5.1% in <100M tier
603
Efficiency Ratio
profitability
Value:
65.85%
Peer Avg: 81.39%
#603 of 2596
Top 23.2% in <100M tier
Top Weaknesses (2 metrics)
2506
Total Delinquency Rate (60+ days)
risk
Value:
7.25%
Peer Avg: 1.51%
#2506 of 2596
Bottom 3.5% in <100M tier
2040
Loan-to-Share Ratio
balance_sheet
Value:
41.87%
Peer Avg: 61.23%
#2040 of 2596
Bottom 21.5% in <100M tier