BlastPoint's Credit Union Scorecard
NEWRIZONS
Charter #16893 · WA
NEWRIZONS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.99% above tier average
- + Loan-to-Share Ratio: Top 1.9% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Efficiency ratio 8.80% above tier (higher cost structure)
- - Delinquency rate 1.41% above tier average
- - Member decline: -5.2% YoY
- - Deposit Growth Rate: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 4.3% in tier
- - First Mortgage Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,564
-5.2% YoY-0.1% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$19.3M
-11.2% YoY-3.7% QoQ
|
$-10.5M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$16.4M
-2.1% YoY+1.9% QoQ
|
+$643K |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$15.3M
-14.2% YoY-5.1% QoQ
|
$-10.1M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
-0.3%
-162.0% YoY-65.7% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.4% in tier |
| NIM |
5.9%
+11.0% YoY+3.7% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
90.2%
+16.7% YoY-3.0% QoQ
|
+8.8% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
2.9%
+22.7% YoY-27.8% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Top 12.3% in tier |
| Loan To Share |
107.0%
+14.1% YoY+7.4% QoQ
|
+45.7% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Top 2.1% in tier |
| AMR |
$20,302
-3.4% YoY-1.5% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
27.9%
-8.4% YoY+11.0% QoQ
|
+3.5% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.8%
-22.6% YoY-9.5% QoQ
|
-8.2% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)