BlastPoint's Credit Union Scorecard

NORTHERN

Charter #68696 · NY

Community 500M-750M

167 CUs in 500M-750M nationally 6 in NY

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NORTHERN has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 38.9% in tier
+ Organic Growth Engine: Top 38.9% in tier
+ Net Interest Margin 0.23% above tier average
+ Total Loans: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.5% in tier
- Liquidity Strain: Bottom 11.7% in tier
- ROA 0.65% below tier average
- Efficiency ratio 16.29% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	45,187 +1.1% YoY+0.3% QoQ	+7.1K	38,079 -4.8% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	78%
Assets	$682.1M +3.7% YoY+0.5% QoQ	+$62.4M	$619.7M -0.2% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	75%
Loans	$546.4M +2.9% YoY+0.4% QoQ	+$127.1M	$419.3M -1.4% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Top 10.2% in tier
Deposits	$599.4M +4.9% YoY+0.9% QoQ	+$60.0M	$539.5M -0.1% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -86.0% QoQ	-0.7%	0.7% +36.0% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 8.4% in tier
NIM	3.7% +2.4% YoY+0.5% QoQ	+0.2%	3.5% +4.5% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	94.7% -1.3% YoY+5.4% QoQ	+16.3%	78.4% -3.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 4.8% in tier
Delinquency Rate	0.7% -18.6% YoY-11.5% QoQ	+0.0	0.7% -0.9% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	58%
Loan To Share	91.2% -1.9% YoY-0.5% QoQ	+13.5%	77.7% -1.2% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	84%
AMR	$25,358 +2.8% YoY+0.4% QoQ	$-2K	$26,927 +3.1% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	48%
CD Concentration	18.4% +9.7% YoY+3.5% QoQ	-5.9%	24.3%	16.4%	19.8%	29%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#301 of 371 • Top 38.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.10%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#333 of 352 • Top 38.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.10%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.03%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#6 of 596 • Bottom 5.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 94.68%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.10%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Strain

risk

#162 of 183 • Bottom 11.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.16%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.85%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Total Loans

balance_sheet

Value: $546.42M

Peer Median: $427.27M

#17 of 167 Top 9.6% in 500M-750M tier

Fee Income Per Member

profitability

Value: $278.98

Peer Median: $178.80

#22 of 167 Top 12.6% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.16%

Peer Median: 79.97%

#27 of 167 Top 15.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.37%

Peer Median: 26.29%

#32 of 167 Top 18.6% in 500M-750M tier

Total Deposits

balance_sheet

Value: $599.44M

Peer Median: $543.36M

#36 of 167 Top 21.0% in 500M-750M tier

Total Members

engagement

Value: 45,187

Peer Median: 36,874

#37 of 167 Top 21.6% in 500M-750M tier

Total Assets

balance_sheet

Value: $682.12M

Peer Median: $619.16M

#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (3 metrics)

160

Efficiency Ratio

profitability

Value: 94.68%

Peer Median: 78.61%

#160 of 167 Bottom 4.8% in 500M-750M tier

153

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: 0.61%

#153 of 167 Bottom 9.0% in 500M-750M tier

150

First Mortgage Concentration (%)

balance_sheet

Value: 53.75%

Peer Median: 32.87%

#150 of 167 Bottom 10.8% in 500M-750M tier