NORTHERN

Charter #68696 | NY

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in NY

NORTHERN has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 11.5% in tier
  • + Organic Growth Leader: Top 24.3% in tier
  • + Wallet Share Momentum: Top 25.8% in tier
  • + Organic Growth Engine: Top 29.1% in tier
  • + Net Interest Margin 0.25% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.9% in tier
  • - Liquidity Strain: Bottom 22.7% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 13.22% above tier (higher cost structure)
  • - Delinquency rate 0.11% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 45,324
+1.4% YoY+0.6% QoQ
 +5.6K 39,752
-2.7% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $658.0M
+5.7% YoY-1.4% QoQ
 +$35.6M $622.4M
+0.3% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 66th in tier
Loans $539.6M
+1.7% YoY+1.9% QoQ
 +$103.7M $435.9M
-0.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 16.0% in tier
Deposits $574.0M
+7.1% YoY-1.5% QoQ
 +$36.0M $538.0M
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 71st in tier
ROA 0.2%
-24.4% YoY+50.3% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 18.3% in tier
NIM 3.7%
-0.7% YoY+1.8% QoQ
 +0.3% 3.4%
+8.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 70th in tier
Efficiency Ratio 91.3%
+0.6% YoY-1.9% QoQ
 +13.2% 78.1%
-3.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 8.9% in tier
Delinquency Rate 0.9%
-11.6% YoY+26.5% QoQ
 +0.1 0.8%
-4.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 69th in tier
Loan To Share 94.0%
-5.1% YoY+3.4% QoQ
 +13.0% 81.0%
-1.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 17.2% in tier
AMR $24,571
+3.0% YoY-0.5% QoQ
 $-2K $26,482
+2.6% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 17.9%
+5.0% YoY+8.8% QoQ
 -6.6% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 27th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#317 of 1006 • Top 11.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.00%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#321 of 430 • Top 24.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.37%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth
#713 of 1006 • Top 25.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.00%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#533 of 603 • Top 29.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.37%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.22%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk
#35 of 521 • Bottom 1.9% in tier

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

Why This Signature
Efficiency Ratio: 91.32%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.07% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.37%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#177 of 258 • Bottom 22.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.00%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.66%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
22
Share Certificate Concentration (%)
balance_sheet
Value: 17.86%
Peer Avg: 26.87%
#22 of 169 Top 12.4% in 500M-750M tier
25
Fee Income Per Member
profitability
Value: $284.91
Peer Avg: $199.27
#25 of 169 Top 14.2% in 500M-750M tier
27
Total Loans
balance_sheet
Value: $539.62M
Peer Avg: $435.95M
#27 of 169 Top 15.4% in 500M-750M tier
29
Loan-to-Share Ratio
balance_sheet
Value: 94.00%
Peer Avg: 81.02%
#29 of 169 Top 16.6% in 500M-750M tier

Top Weaknesses (3 metrics)

155
Efficiency Ratio
profitability
Value: 91.32%
Peer Avg: 78.10%
#155 of 169 Bottom 8.9% in 500M-750M tier
151
First Mortgage Concentration (%)
balance_sheet
Value: 53.40%
Peer Avg: 33.53%
#151 of 169 Bottom 11.2% in 500M-750M tier
138
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Avg: 0.66%
#138 of 169 Bottom 18.9% in 500M-750M tier