BlastPoint's Credit Union Scorecard
NORTHEAST COMMUNITY
Charter #67021 · TN
NORTHEAST COMMUNITY has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 46.9% in tier
- + Profitability Leader: Top 70.5% in tier
- + ROA 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.5% in tier
- - Credit Risk Growth: Bottom 13.2% in tier
- - Membership Headwinds: Bottom 14.2% in tier
- - Credit Quality Pressure: Bottom 16.2% in tier
- - Liquidity Overhang: Bottom 63.9% in tier
- - Member decline: -2.9% YoY
- - First Mortgage Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,403
-2.9% YoY-0.8% QoQ
|
-3.2K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$184.4M
+3.9% YoY-0.8% QoQ
|
$-46.9M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$97.4M
+7.6% YoY+4.0% QoQ
|
$-50.4M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$154.7M
+2.8% YoY-1.5% QoQ
|
$-45.5M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% 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%
-2.3% YoY+9.5% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
3.0%
+6.7% YoY+3.3% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
68.1%
+1.0% YoY-1.9% QoQ
|
-9.2% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.5%
+47.7% YoY+5.5% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
62.9%
+4.7% YoY+5.6% QoQ
|
-9.8% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$20,329
+7.7% YoY+1.4% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
10.8%
+8.6% YoY-0.7% QoQ
|
-13.6% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)