BlastPoint's Credit Union Scorecard

NORTHWEST HILLS

Charter #65803 · CT

2556 CUs in <100M nationally 43 in CT

NORTHWEST HILLS has 6 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.83% above tier average
  • + Net Interest Margin 0.01% above tier average
  • + Asset Growth Rate: Top 1.6% in tier
  • + AMR Growth Rate: Top 1.6% in tier
  • + Deposit Growth Rate: Top 1.7% in tier
  • + Loan Growth Rate: Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -2.6% YoY

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 3,701
-2.6% YoY-0.5% QoQ
+1.1K 2,615
-1.9% YoY
14,275
+6.6% YoY
33,374
+5.7% YoY
76%
Assets $53.3M
+20.4% YoY+5.3% QoQ
+$23.2M $30.1M
+2.1% YoY
$241.1M
+14.1% YoY
$561.6M
+9.7% YoY
79%
Loans $25.3M
+22.0% YoY+1.8% QoQ
+$9.5M $15.8M
-1.3% YoY
$136.5M
+14.4% YoY
$397.0M
+8.8% YoY
77%
Deposits $48.3M
+20.6% YoY+5.4% QoQ
+$22.7M $25.7M
+1.4% YoY
$211.2M
+13.7% YoY
$477.3M
+9.7% YoY
81%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 1.5%
+17.0% YoY-0.7% QoQ
+0.8% 0.6%
+10.8% YoY
0.6%
+43.4% YoY
0.7%
+15.9% YoY
83%
NIM 4.0%
-5.5% YoY-2.5% QoQ
+0.0% 4.0%
+4.0% YoY
3.6%
+1.8% YoY
3.8%
+5.1% YoY
53%
Efficiency Ratio 65.1%
-4.3% YoY-0.4% QoQ
-17.4% 82.6%
-2.3% YoY
81.1%
-1.3% YoY
79.7%
-3.3% YoY
18%
Delinquency Rate 0.2%
-70.2% YoY-66.3% QoQ
-1.3 1.6%
-3.1% YoY
1.5%
+7.3% YoY
1.3%
-2.1% YoY
27%
Loan To Share 52.3%
+1.2% YoY-3.4% QoQ
-8.3% 60.6%
-3.1% YoY
54.6%
-1.8% YoY
67.4%
-1.7% YoY
36%
AMR $19,894
+24.3% YoY+4.7% QoQ
+$5K $14,783
-1.4% YoY
$17,243
+6.0% YoY
$19,687
+2.0% YoY
78%
CD Concentration 24.6%
+55.3% YoY-2.1% QoQ
+0.1% 24.4% 14.6% 19.8% 50%
Indirect Auto % 7.0%
-47.9% YoY-14.2% QoQ
-6.8% 13.8% 4.6% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (11 metrics)

43
Asset Growth Rate
growth
Value: 20.35%
Peer Median: -
#43 of 2556 Top 1.6% in <100M tier
43
AMR Growth Rate
growth
Value: 24.26%
Peer Median: -
#43 of 2556 Top 1.6% in <100M tier
45
Deposit Growth Rate
growth
Value: 20.56%
Peer Median: -
#45 of 2556 Top 1.7% in <100M tier
78
Loan Growth Rate
growth
Value: 22.00%
Peer Median: -
#78 of 2556 Top 3.0% in <100M tier
444
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Median: -
#444 of 2556 Top 17.3% in <100M tier
467
Efficiency Ratio
profitability
Value: 65.14%
Peer Median: -
#467 of 2556 Top 18.2% in <100M tier
487
Total Deposits
balance_sheet
Value: $48.35M
Peer Median: -
#487 of 2556 Top 19.0% in <100M tier
537
Total Assets
balance_sheet
Value: $53.34M
Peer Median: -
#537 of 2556 Top 21.0% in <100M tier
554
Average Member Relationship (AMR)
engagement
Value: $19,894
Peer Median: -
#554 of 2556 Top 21.6% in <100M tier
584
Total Loans
balance_sheet
Value: $25.28M
Peer Median: -
#584 of 2556 Top 22.8% in <100M tier

Top Weaknesses (2 metrics)

2289
Indirect Auto Concentration (%)
balance_sheet
Value: 7.00%
Peer Median: -
#2289 of 2556 Bottom 10.5% in <100M tier
2270
Net Worth Ratio
risk
Value: 9.23%
Peer Median: -
#2270 of 2556 Bottom 11.2% in <100M tier
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