BlastPoint's Credit Union Scorecard

NORTHERN

Charter #68696 · NY

Community 500M-750M

169 CUs in 500M-750M nationally 7 in NY

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NORTHERN has 4 strengths but faces 5 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 24.3% 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	72%
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	66%
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	84%
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	71%

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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% -24.4% YoY+50.3% QoQ	-0.4%	0.7% +33.9% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	18%
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	70%
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	69%
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	83%
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	48%
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	27%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#321 of 430 • Top 24.3% in tier

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

Why This Signature

Member Growth (YoY): 1.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

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: 13.97%, National: 7.90%)

better than tier avg

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

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: 3.65%, 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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.86%

Peer Avg: -

#22 of 169 Top 12.4% in 500M-750M tier

Fee Income Per Member

profitability

Value: $284.91

Peer Avg: -

#25 of 169 Top 14.2% in 500M-750M tier

Total Loans

balance_sheet

Value: $539.62M

Peer Avg: -

#27 of 169 Top 15.4% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.00%

Peer Avg: -

#29 of 169 Top 16.6% in 500M-750M tier

Top Weaknesses (3 metrics)

155

Efficiency Ratio

profitability

Value: 91.32%

Peer Avg: -

#155 of 169 Bottom 8.9% in 500M-750M tier

151

First Mortgage Concentration (%)

balance_sheet

Value: 53.40%

Peer Avg: -

#151 of 169 Bottom 11.2% in 500M-750M tier

138

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier