BlastPoint's Credit Union Scorecard
NORTH DISTRICTS
Charter #61636 · PA
NORTH DISTRICTS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Net Interest Margin 0.19% above tier average
- + Net Charge-Off Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.97% above tier average
- - Member decline: -2.5% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,227
-2.5% YoY-1.7% QoQ
|
+550 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
71% |
| Assets |
$44.9M
+0.6% YoY+0.6% QoQ
|
+$14.7M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
73% |
| Loans |
$14.4M
-9.9% YoY-6.8% QoQ
|
$-925K |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$37.9M
-0.3% YoY+0.6% QoQ
|
+$12.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
73% |
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| ROA |
0.9%
-30.2% YoY-24.6% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
4.2%
+2.0% YoY+0.7% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
73.1%
+16.6% YoY+10.3% QoQ
|
-17.5% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
8.5%
+54.6% YoY+42.4% QoQ
|
+7.0 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
37.9%
-9.6% YoY-7.3% QoQ
|
-20.6% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$16,178
-0.7% YoY+0.1% QoQ
|
+$1K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
18.9%
+4.1% YoY-3.1% QoQ
|
-5.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)