BlastPoint's Credit Union Scorecard
NORWIN TEACHERS
Charter #7842 · PA
NORWIN TEACHERS shows strong momentum with 6 strengths and 14.8% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Strong member growth: 14.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 3.5% in tier
- + Deposit Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,489
+14.8% YoY+16.6% QoQ
|
+873 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$38.0M
+14.6% YoY+15.6% QoQ
|
+$7.8M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$16.3M
+6.0% YoY+7.2% QoQ
|
+$515K |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$33.9M
+12.2% YoY+14.3% QoQ
|
+$8.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
1.0%
+85.1% YoY-23.2% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.4%
+15.3% YoY-2.4% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
73.2%
-9.3% YoY+8.9% QoQ
|
-9.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.3%
-21.7% YoY+11.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
48.0%
-5.5% YoY-6.2% QoQ
|
-12.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$14,381
-4.1% YoY-4.1% QoQ
|
$-402 |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
8.2%
-22.3% YoY+26.9% QoQ
|
-16.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)