BlastPoint's Credit Union Scorecard
NEW KENSINGTON MUNICIPAL
Charter #15063 · PA
<100M
2556 CUs in <100M nationally
190 in PA
NEW KENSINGTON MUNICIPAL has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 1.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + AMR Growth Rate: Top 8.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 31.33% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Total Members: Bottom 6.2% in tier
- - Members Per Employee (MPE): Bottom 7.9% in tier
- - Fee Income Per Member: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
248
+1.6% YoY+0.8% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$3.7M
+21.3% YoY+3.3% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$2.4M
-1.4% YoY-4.5% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.2M
+26.2% YoY+3.9% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-0.2%
-209.4% YoY-9.4% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.8% in tier |
| NIM |
1.6%
-30.1% YoY-3.0% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio |
113.9%
+27.0% YoY-0.9% QoQ
|
+31.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate |
0.1%
+1.4% YoY+4.7% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
76.0%
-21.8% YoY-8.0% QoQ
|
+15.4% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$22,778
+10.8% YoY-0.7% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 12.5% in tier |
| CD Concentration |
71.4%
+6.3% YoY-1.4% QoQ
|
+47.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
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 Median: -
#1 of 2556
Top 0.1% in <100M tier
30
Deposit Growth Rate
growth
Value:
26.17%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
37
Asset Growth Rate
growth
Value:
21.35%
Peer Median: -
#37 of 2556
Top 1.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
222
AMR Growth Rate
growth
Value:
10.78%
Peer Median: -
#222 of 2556
Top 8.6% in <100M tier
228
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,834
Peer Median: -
#228 of 2556
Top 8.9% in <100M tier
319
Average Member Relationship (AMR)
engagement
Value:
$22,778
Peer Median: -
#319 of 2556
Top 12.4% in <100M tier
476
Member Growth Rate
growth
Value:
1.64%
Peer Median: -
#476 of 2556
Top 18.6% in <100M tier
514
Total Delinquency Rate (60+ days)
risk
Value:
0.11%
Peer Median: -
#514 of 2556
Top 20.1% in <100M tier
Top Weaknesses (10 metrics)
2543
Share Certificate Concentration (%)
balance_sheet
Value:
71.38%
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2507
Net Interest Margin (NIM)
profitability
Value:
1.61%
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2420
Efficiency Ratio
profitability
Value:
113.88%
Peer Median: -
#2420 of 2556
Bottom 5.4% in <100M tier
2398
Total Members
engagement
Value:
248
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2355
Members Per Employee (MPE)
engagement
Value:
124.000
Peer Median: -
#2355 of 2556
Bottom 7.9% in <100M tier
2327
Fee Income Per Member
profitability
Value:
$1.97
Peer Median: -
#2327 of 2556
Bottom 9.0% in <100M tier
2255
Return on Assets (ROA)
profitability
Value:
-0.24%
Peer Median: -
#2255 of 2556
Bottom 11.8% in <100M tier
2171
Total Assets
balance_sheet
Value:
$3.73M
Peer Median: -
#2171 of 2556
Bottom 15.1% in <100M tier
2137
Total Deposits
balance_sheet
Value:
$3.21M
Peer Median: -
#2137 of 2556
Bottom 16.4% in <100M tier
2033
Total Loans
balance_sheet
Value:
$2.44M
Peer Median: -
#2033 of 2556
Bottom 20.5% in <100M tier