BlastPoint's Credit Union Scorecard
NORTH DISTRICTS
Charter #61636 · PA
NORTH DISTRICTS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.40% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,283
-1.0% YoY-1.0% QoQ
|
+667 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$44.6M
+1.7% YoY+0.9% QoQ
|
+$14.5M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$15.4M
-4.5% YoY-1.4% QoQ
|
$-357K |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$37.6M
+0.8% YoY+0.9% QoQ
|
+$11.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.1%
+51.2% YoY-5.1% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.2%
-6.4% YoY+0.7% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
66.3%
+4.5% YoY+0.7% QoQ
|
-16.2% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
6.0%
+6.1% YoY-17.9% QoQ
|
+4.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 4.8% in tier |
| Loan To Share |
40.9%
-5.3% YoY-2.2% QoQ
|
-19.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$16,155
+0.2% YoY+1.2% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
19.5%
-5.5% YoY-8.6% QoQ
|
-4.9% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)