BlastPoint's Credit Union Scorecard
NORWALK HOSPITAL
Charter #65954 · CT
NORWALK HOSPITAL has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 15.66% above tier (higher cost structure)
- - Delinquency rate 0.57% above tier average
- - Member decline: -7.2% YoY
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 5.4% in tier
- - Member Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,149
-7.2% YoY-0.6% QoQ
|
-466 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$32.3M
-4.5% YoY-0.8% QoQ
|
+$2.2M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$6.2M
-14.1% YoY-7.4% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$29.4M
-4.8% YoY-0.9% QoQ
|
+$3.7M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
-0.1%
-88.9% YoY-4.3% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.3% in tier |
| NIM |
1.5%
+47.4% YoY+7.1% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
98.2%
-35.4% YoY-0.3% QoQ
|
+15.7% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
2.1%
-2.3% YoY-14.7% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
21.1%
-9.8% YoY-6.6% QoQ
|
-39.6% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.2% in tier |
| AMR |
$16,550
+0.6% YoY-1.4% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
24.6%
+4.5% YoY+2.6% QoQ
|
+0.2% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)