BlastPoint's Credit Union Scorecard
NORTHEAST REGIONAL
Charter #64709 · MO
NORTHEAST REGIONAL has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.37% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.78% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Total Assets: Bottom 8.6% in tier
- - Total Members: Bottom 8.9% in tier
- - Total Deposits: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
336
-3.7% YoY0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 8.8% in tier |
| Assets |
$1.8M
+1.0% YoY+1.4% QoQ
|
$-28.4M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.5% in tier |
| Loans |
$1.5M
+3.5% YoY-1.0% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 15.0% in tier |
| Deposits |
$1.6M
+1.0% YoY+1.7% QoQ
|
$-24.2M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.7% in tier |
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| ROA |
0.3%
-52.2% YoY-41.0% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
4.4%
-6.8% YoY-3.2% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
93.4%
+7.3% YoY+4.4% QoQ
|
+2.8% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
96.7%
+2.4% YoY-2.6% QoQ
|
+38.2% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$9,145
+6.2% YoY+0.4% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
24.8%
+11.7% YoY+1.8% QoQ
|
+0.5% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 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)