BlastPoint's Credit Union Scorecard
NEW COMMUNITY
Charter #24167 · NJ
NEW COMMUNITY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Loan Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 15.73% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,527
-0.8% YoY-0.1% QoQ
|
+911 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$3.1M
-3.9% YoY-4.9% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.3% in tier |
| Loans |
$1.1M
+11.0% YoY-2.2% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.6% in tier |
| Deposits |
$2.6M
-5.2% YoY-5.2% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.0% in tier |
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| ROA |
0.2%
-6.7% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.9%
-2.4% YoY-0.0% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
98.3%
-1.0% YoY+0.1% QoQ
|
+15.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
40.1%
+17.2% YoY+3.1% QoQ
|
-20.6% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$1,043
-0.3% YoY-4.3% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)