BlastPoint's Credit Union Scorecard
NEW COVENANT DOMINION
Charter #24784 · NY
2596 CUs in <100M nationally
188 in NY
NEW COVENANT DOMINION has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.98% above tier average
- + Net Interest Margin 2.86% above tier average
- + Strong member growth: 8.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.6% in tier
- + Member Growth Rate: Top 3.7% in tier
- + Net Worth Ratio: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 5.5% in tier
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 15.07% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- - Net Charge-Off Rate: Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
660
+8.9% YoY+0.6% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$4.4M
+0.3% YoY-6.4% QoQ
|
$-25.5M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$2.7M
+1.9% YoY+5.3% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$2.7M
+2.2% YoY-9.6% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.6% in tier |
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| ROA |
7.7%
-30.0% YoY-18.8% QoQ
|
+7.0% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.4% in tier |
| NIM |
6.8%
+1.2% YoY+2.8% QoQ
|
+2.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
54.3%
+49.2% YoY+13.7% QoQ
|
-27.1% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
16.6%
+192.1% YoY+111.6% QoQ
|
+15.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.5% in tier |
| Loan To Share |
97.6%
-0.2% YoY+16.5% QoQ
|
+36.3% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 5.7% in tier |
| AMR |
$8,219
-6.3% YoY-3.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
19.7%
+80.4% YoY+35.1% QoQ
|
-4.7% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
10
Return on Assets (ROA)
profitability
Value:
7.66%
Peer Avg: -
#10 of 2596
Top 0.3% in <100M tier
16
Fee Income Per Member
profitability
Value:
$699.05
Peer Avg: -
#16 of 2596
Top 0.6% in <100M tier
46
Net Interest Margin (NIM)
profitability
Value:
6.79%
Peer Avg: -
#46 of 2596
Top 1.7% in <100M tier
97
Member Growth Rate
growth
Value:
8.91%
Peer Avg: -
#97 of 2596
Top 3.7% in <100M tier
111
Net Worth Ratio
risk
Value:
33.23%
Peer Avg: -
#111 of 2596
Top 4.2% in <100M tier
143
Loan-to-Share Ratio
balance_sheet
Value:
97.58%
Peer Avg: -
#143 of 2596
Top 5.5% in <100M tier
231
Efficiency Ratio
profitability
Value:
54.33%
Peer Avg: -
#231 of 2596
Top 8.9% in <100M tier
Top Weaknesses (9 metrics)
2559
Total Delinquency Rate (60+ days)
risk
Value:
16.57%
Peer Avg: -
#2559 of 2596
Bottom 1.5% in <100M tier
2463
Net Charge-Off Rate
risk
Value:
2.18%
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2234
AMR Growth Rate
growth
Value:
-6.30%
Peer Avg: -
#2234 of 2596
Bottom 14.0% in <100M tier
2216
Total Deposits
balance_sheet
Value:
$2.75M
Peer Avg: -
#2216 of 2596
Bottom 14.7% in <100M tier
2149
Total Assets
balance_sheet
Value:
$4.38M
Peer Avg: -
#2149 of 2596
Bottom 17.3% in <100M tier
2122
Total Members
engagement
Value:
660
Peer Avg: -
#2122 of 2596
Bottom 18.3% in <100M tier
2100
Members Per Employee (MPE)
engagement
Value:
220.000
Peer Avg: -
#2100 of 2596
Bottom 19.1% in <100M tier
2066
Average Member Relationship (AMR)
engagement
Value:
$8,219
Peer Avg: -
#2066 of 2596
Bottom 20.5% in <100M tier
2033
Total Loans
balance_sheet
Value:
$2.68M
Peer Avg: -
#2033 of 2596
Bottom 21.7% in <100M tier