NEW DIMENSIONS

Charter #11253 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

NEW DIMENSIONS has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.8% in tier
  • + Relationship Depth Leader: Top 15.1% in tier
  • + Emerging Performer: Top 29.7% in tier
  • + Net Interest Margin 0.50% above tier average
  • + Loan-to-Share Ratio: Top 6.1% in tier
  • + AMR Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.0% in tier
  • - Membership Headwinds: Bottom 12.6% in tier
  • - Stagnation Risk: Bottom 14.0% in tier
  • - Indirect Auto Dependency: Bottom 15.1% in tier
  • - Efficiency Drag: Bottom 24.1% in tier
  • - ROA 0.29% below tier average
  • - Efficiency ratio 7.45% above tier (higher cost structure)
  • - Delinquency rate 0.37% above tier average
  • - Member decline: -3.3% YoY
  • - Net Worth Ratio: Bottom 3.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 16,053
-3.3% YoY-0.6% QoQ
 +424 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 61st in tier
Assets $229.1M
+9.2% YoY+4.1% QoQ
 $-2.2M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 58th in tier
Loans $185.6M
+10.0% YoY+5.4% QoQ
 +$37.8M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $192.3M
+4.1% YoY+0.6% QoQ
 $-8.0M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 0.5%
+1041.3% YoY+56.1% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 32nd in tier
NIM 4.1%
+8.9% YoY-0.5% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Top 22.3% in tier
Efficiency Ratio 84.7%
-7.6% YoY-3.3% QoQ
 +7.4% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 24.2% in tier
Delinquency Rate 1.2%
-40.7% YoY-25.4% QoQ
 +0.4 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 21.5% in tier
Loan To Share 96.5%
+5.7% YoY+4.7% QoQ
 +23.8% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 6.2% in tier
AMR $23,537
+10.6% YoY+3.5% QoQ
 $-827 $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 20.2%
-21.3% YoY+1.1% QoQ
 -4.2% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 15.0%
-24.1% YoY-4.0% QoQ
 +1.1% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#107 of 1006 • Top 3.8% in tier

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

Why This Signature
AMR Growth (YoY): 10.57%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#417 of 1006 • Top 15.1% in tier

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

Why This Signature
AMR Growth (YoY): 10.57%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#558 of 627 • Top 29.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.50%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -3.32%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk
#71 of 258 • Bottom 9.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 96.50%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.02%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Membership Headwinds

decline
#209 of 550 • Bottom 12.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.32%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#232 of 550 • Bottom 14.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.50%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.32%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.5K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 20.19%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#243 of 525 • Bottom 15.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.24%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 15.02%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -3.32%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk
#426 of 521 • Bottom 24.1% in tier

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

Why This Signature
Efficiency Ratio: 84.73%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.45% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -3.32%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 1077 peers in tier

Top Strengths (6 metrics)

67
Loan-to-Share Ratio
balance_sheet
Value: 96.50%
Peer Avg: 72.70%
#67 of 1077 Top 6.1% in 100M-500M tier
86
AMR Growth Rate
growth
Value: 10.57%
Peer Avg: 3.64%
#86 of 1077 Top 7.9% in 100M-500M tier
154
Asset Growth Rate
growth
Value: 9.24%
Peer Avg: 4.70%
#154 of 1077 Top 14.2% in 100M-500M tier
162
Loan Growth Rate
growth
Value: 10.02%
Peer Avg: 3.45%
#162 of 1077 Top 14.9% in 100M-500M tier
212
Fee Income Per Member
profitability
Value: $228.67
Peer Avg: $174.31
#212 of 1077 Top 19.6% in 100M-500M tier
240
Net Interest Margin (NIM)
profitability
Value: 4.08%
Peer Avg: 3.58%
#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (4 metrics)

1038
Net Worth Ratio
risk
Value: 7.96%
Peer Avg: 12.15%
#1038 of 1077 Bottom 3.7% in 100M-500M tier
896
Member Growth Rate
growth
Value: -3.32%
Peer Avg: 0.72%
#896 of 1077 Bottom 16.9% in 100M-500M tier
846
Total Delinquency Rate (60+ days)
risk
Value: 1.23%
Peer Avg: 0.86%
#846 of 1077 Bottom 21.5% in 100M-500M tier
817
Efficiency Ratio
profitability
Value: 84.73%
Peer Avg: 77.28%
#817 of 1077 Bottom 24.2% in 100M-500M tier