NEW KENSINGTON MUNICIPAL
Charter #15063 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
NEW KENSINGTON MUNICIPAL has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 1.5% in tier
- + AMR Growth Rate: Top 4.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Efficiency ratio 33.55% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Total Members: Bottom 6.2% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-0.8% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 6.0% in tier |
| Assets |
$3.6M
+21.6% YoY-0.1% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.9% in tier |
| Loans |
$2.6M
+2.8% YoY+0.9% QoQ
|
$-13.2M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 21.0% in tier |
| Deposits |
$3.1M
+26.5% YoY-0.1% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.3% in tier |
| ROA |
-0.3%
-295.8% YoY-22.1% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.3% in tier |
| NIM |
1.7%
-29.0% YoY+3.2% QoQ
|
-2.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
114.9%
+23.1% YoY-4.2% QoQ
|
+33.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
0.1%
-2.7% YoY-0.9% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 21.1% in tier |
| Loan To Share |
82.6%
-18.7% YoY+1.0% QoQ
|
+21.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 19.3% in tier |
| AMR |
$22,941
+15.4% YoY+0.4% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 12.1% in tier |
| CD Concentration |
72.4%
+4.9% YoY+1.6% QoQ
|
+48.0% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
29
Deposit Growth Rate
growth
Value:
26.46%
Peer Avg: 16.80%
#29 of 2596
Top 1.1% in <100M tier
39
Asset Growth Rate
growth
Value:
21.63%
Peer Avg: 1.82%
#39 of 2596
Top 1.5% in <100M tier
111
AMR Growth Rate
growth
Value:
15.44%
Peer Avg: 4.67%
#111 of 2596
Top 4.2% in <100M tier
183
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,377
Peer Avg: $5,488
#183 of 2596
Top 7.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
313
Average Member Relationship (AMR)
engagement
Value:
$22,941
Peer Avg: $14,627
#313 of 2596
Top 12.0% in <100M tier
497
Loan-to-Share Ratio
balance_sheet
Value:
82.59%
Peer Avg: 61.23%
#497 of 2596
Top 19.1% in <100M tier
550
Total Delinquency Rate (60+ days)
risk
Value:
0.11%
Peer Avg: 1.51%
#550 of 2596
Top 21.1% in <100M tier
Top Weaknesses (10 metrics)
2584
Share Certificate Concentration (%)
balance_sheet
Value:
72.40%
Peer Avg: 15.37%
#2584 of 2596
Bottom 0.5% in <100M tier
2535
Net Interest Margin (NIM)
profitability
Value:
1.66%
Peer Avg: 3.93%
#2535 of 2596
Bottom 2.4% in <100M tier
2462
Efficiency Ratio
profitability
Value:
114.95%
Peer Avg: 81.39%
#2462 of 2596
Bottom 5.2% in <100M tier
2437
Total Members
engagement
Value:
246
Peer Avg: 2,626
#2437 of 2596
Bottom 6.2% in <100M tier
2398
Members Per Employee (MPE)
engagement
Value:
123.000
Peer Avg: 365.701
#2398 of 2596
Bottom 7.7% in <100M tier
2336
Fee Income Per Member
profitability
Value:
$2.11
Peer Avg: $182.96
#2336 of 2596
Bottom 10.1% in <100M tier
2302
Return on Assets (ROA)
profitability
Value:
-0.27%
Peer Avg: 0.68%
#2302 of 2596
Bottom 11.4% in <100M tier
2210
Total Assets
balance_sheet
Value:
$3.61M
Peer Avg: $29.86M
#2210 of 2596
Bottom 14.9% in <100M tier
2174
Total Deposits
balance_sheet
Value:
$3.09M
Peer Avg: $25.45M
#2174 of 2596
Bottom 16.3% in <100M tier
2052
Total Loans
balance_sheet
Value:
$2.55M
Peer Avg: $15.77M
#2052 of 2596
Bottom 21.0% in <100M tier