BlastPoint's Credit Union Scorecard
NEWRIZONS
Charter #16893 · WA
NEWRIZONS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.13% above tier average
- + Loan-to-Share Ratio: Top 1.9% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 4.02% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.0% in tier
- - Deposit Growth Rate: Bottom 6.8% in tier
- - Asset Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,571
-1.1% YoY+0.4% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$19.3M
-7.7% YoY-0.4% QoQ
|
$-10.9M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$16.3M
+0.1% YoY-0.6% QoQ
|
+$543K |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$15.2M
-10.1% YoY-1.1% QoQ
|
$-10.5M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.2%
-61.4% YoY-181.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
6.1%
+10.6% YoY+2.6% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
86.6%
+7.6% YoY-4.0% QoQ
|
+4.0% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.4%
-74.8% YoY-85.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
107.4%
+11.4% YoY+0.4% QoQ
|
+46.8% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$20,039
-4.0% YoY-1.3% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
28.7%
+4.1% YoY+3.2% QoQ
|
+4.3% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
6.2%
-12.4% YoY+6.1% QoQ
|
-7.6% | 13.8% | 16.8% | 7.8% | 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)