BlastPoint's Credit Union Scorecard
NORTHEAST SCHOOLS AND HOSPITAL
Charter #64462 · VT
NORTHEAST SCHOOLS AND HOSPITAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Net Charge-Off Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 5.14% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Net Worth Ratio: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,000
-2.4% YoY-0.2% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$5.6M
+1.4% YoY+1.1% QoQ
|
$-24.6M |
$30.2M
+1.3% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$3.0M
-4.4% YoY-6.1% QoQ
|
$-12.2M |
$15.3M
-2.0% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$5.1M
+2.3% YoY+1.4% QoQ
|
$-20.7M |
$25.8M
+0.7% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.0%
-102.8% YoY-102.4% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
4.3%
+5.2% YoY+4.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
95.8%
-14.1% YoY-9.5% QoQ
|
+5.1% |
90.6%
+6.5% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
0.4%
-61.4% YoY-49.0% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
59.6%
-6.6% YoY-7.4% QoQ
|
+1.1% |
58.5%
-3.0% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$8,146
+2.2% YoY-1.4% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
15.5%
+13.5% YoY-12.3% QoQ
|
-8.8% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 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)