BlastPoint's Credit Union Scorecard
NORTHEAST SCHOOLS AND HOSPITAL
Charter #64462 · VT
NORTHEAST SCHOOLS AND HOSPITAL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Efficiency ratio 23.25% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Net Worth Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,002
-3.9% YoY-0.1% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$5.6M
+4.8% YoY-1.1% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$3.2M
+0.1% YoY+0.0% QoQ
|
$-12.5M |
$15.8M
-1.3% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$5.0M
+5.9% YoY-1.0% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
-0.6%
+65.5% YoY+24.7% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.6% in tier |
| NIM |
4.1%
-13.6% YoY+2.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
105.8%
+12.0% YoY-1.2% QoQ
|
+23.3% |
82.6%
-2.3% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
0.8%
+130.7% YoY+288.9% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
64.3%
-5.4% YoY+1.0% QoQ
|
+3.7% |
60.6%
-3.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$8,259
+7.8% YoY-0.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
17.7%
+79.6% YoY-3.6% QoQ
|
-6.8% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 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)