BlastPoint's Credit Union Scorecard

NORTHERN

Charter #68696 · NY

Community 500M-750M

165 CUs in 500M-750M nationally 7 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 75.1% in tier
+ Organic Growth Engine: Top 90.9% in tier
+ Net Interest Margin 0.24% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.4% in tier
- Liquidity Strain: Bottom 84.1% in tier
- ROA 0.42% below tier average
- Efficiency ratio 12.34% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	45,070 +1.3% YoY-0.6% QoQ	+6.5K	38,575 -4.8% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	74%
Assets	$678.4M +7.0% YoY+3.1% QoQ	+$56.7M	$621.7M +0.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	73%
Loans	$544.3M +3.3% YoY+0.9% QoQ	+$114.5M	$429.8M -1.8% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	Top 13.9% in tier
Deposits	$594.0M +8.3% YoY+3.5% QoQ	+$55.3M	$538.7M +0.6% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	76%

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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	0.2% -8.7% YoY+6.6% QoQ	-0.4%	0.7% +42.9% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	16%
NIM	3.7% +0.1% YoY+0.0% QoQ	+0.2%	3.4% +8.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	89.9% -0.2% YoY-1.6% QoQ	+12.3%	77.5% -4.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	Top 7.3% in tier
Delinquency Rate	0.8% -31.4% YoY-16.2% QoQ	-0.1	0.8% -1.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	56%
Loan To Share	91.6% -4.6% YoY-2.5% QoQ	+11.8%	79.8% -2.3% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	81%
AMR	$25,258 +4.5% YoY+2.8% QoQ	$-2K	$26,849 +2.7% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	49%
CD Concentration	17.8% +0.4% YoY-0.6% QoQ	-6.7%	24.4%	16.3%	19.8%	26%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#320 of 426 • Top 75.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#541 of 595 • Top 90.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.24%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#14 of 538 • Bottom 2.4% in tier

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

Why This Signature

Efficiency Ratio: 89.86%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.35%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Liquidity Strain

risk

#192 of 228 • Bottom 84.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.63%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.31%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 165 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.75%

Peer Median: -

#21 of 165 Top 12.1% in 500M-750M tier

Fee Income Per Member

profitability

Value: $289.59

Peer Median: -

#22 of 165 Top 12.7% in 500M-750M tier

Total Loans

balance_sheet

Value: $544.33M

Peer Median: -

#23 of 165 Top 13.3% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.32%

Peer Median: -

#32 of 165 Top 18.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.63%

Peer Median: -

#32 of 165 Top 18.8% in 500M-750M tier

Total Deposits

balance_sheet

Value: $594.04M

Peer Median: -

#39 of 165 Top 23.0% in 500M-750M tier

Total Members

engagement

Value: 45,070

Peer Median: -

#42 of 165 Top 24.8% in 500M-750M tier

Top Weaknesses (3 metrics)

154

Efficiency Ratio

profitability

Value: 89.86%

Peer Median: -

#154 of 165 Bottom 7.3% in 500M-750M tier

149

First Mortgage Concentration (%)

balance_sheet

Value: 53.94%

Peer Median: -

#149 of 165 Bottom 10.3% in 500M-750M tier

138

Return on Assets (ROA)

profitability

Value: 0.24%

Peer Median: -

#138 of 165 Bottom 17.0% in 500M-750M tier