BlastPoint's Credit Union Scorecard
NORTHEAST COMMUNITY
Charter #67021 · TN
NORTHEAST COMMUNITY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 89.5% in tier
- + ROA 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 40.2% in tier
- - Liquidity Overhang: Bottom 56.0% in tier
- - Credit Quality Pressure: Bottom 58.5% in tier
- - Membership Headwinds: Bottom 86.8% in tier
- - Stagnation Risk: Bottom 88.8% in tier
- - Delinquency rate 0.15% above tier average
- - First Mortgage Concentration (%): Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,507
-1.0% YoY+0.8% QoQ
|
-2.9K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$184.3M
+1.7% YoY-0.1% QoQ
|
$-47.6M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$98.4M
+8.6% YoY+1.0% QoQ
|
$-49.0M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$155.7M
+2.0% YoY+0.6% QoQ
|
$-45.1M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+3.5% YoY+0.2% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.1%
+9.7% YoY+2.5% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
68.8%
+0.9% YoY+1.1% QoQ
|
-8.2% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
1.0%
+18.3% YoY+103.6% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
63.2%
+6.5% YoY+0.4% QoQ
|
-9.0% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$20,317
+5.5% YoY-0.1% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
10.4%
-18.8% YoY-3.5% QoQ
|
-14.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)