Northern Lights

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$41.3M

91^th percentile

Members

2,868

82^th percentile

Total loans

$28.3M

97^th percentile

Total shares

$35.7M

92^th percentile

Profitability

Return on assets

1.32%

73^th percentile

Net interest margin

6.00%

95^th percentile

Efficiency ratio

77.23%

29^th percentile

Non-interest income ratio

14.54%

67^th percentile

Capital & Risk

Net worth ratio

14.40%

47^th percentile

Delinquency rate

0.49%

58^th percentile

Net charge-off rate

-0.02%

93^th percentile

Loan-to-share

79.43%

76^th percentile

Growth

Member growth YoY

-30.64%

1^th percentile

Asset growth YoY

31.45%

99^th percentile

Loan growth YoY

21.37%

96^th percentile

Share growth YoY

30.91%

99^th percentile

Operations

Members / branch

717

34^th percentile

Assets / member

$14,391

83^th percentile

Field of membership penetration

0.40%

2^th percentile

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