BlastPoint's Credit Union Scorecard
NEW COVENANT DOMINION
Charter #24784 · NY
NEW COVENANT DOMINION has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.77% above tier average
- + Fee Income Per Member: Top 1.6% in tier
- + Net Worth Ratio: Top 5.2% in tier
- + Loan-to-Share Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Delinquency rate 6.41% above tier average
- - Member decline: -3.0% YoY
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -12.4% year over year ($2.7M in shares and deposits).
- Membership: 636 members, -3.0% vs a year ago.
- Delinquency rate 7.95%.
- Return on assets 0.24%.
- Efficiency ratio 83.52% vs a 88.77% peer average.
- Loan-to-share ratio 91.32% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
636
-3.0% YoY-7.3% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$4.4M
-6.6% YoY-8.3% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$2.4M
-4.5% YoY-4.5% QoQ
|
$-13.0M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$2.7M
-12.4% YoY-17.4% QoQ
|
$-23.1M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.0% in tier |
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| ROA |
0.2%
-97.4% YoY-87.9% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
6.7%
+0.9% YoY+2.4% QoQ
|
+2.8% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
83.5%
+74.8% YoY+3.1% QoQ
|
-5.2% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
8.0%
+1.5% YoY-28.5% QoQ
|
+6.4 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.2% in tier |
| Loan To Share |
91.3%
+9.0% YoY+15.5% QoQ
|
+32.4% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 7.9% in tier |
| AMR |
$8,000
-5.9% YoY-4.8% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
34.6%
+137.1% YoY+21.1% QoQ
|
+10.1% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 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)