BlastPoint's Credit Union Scorecard
NEW COVENANT DOMINION
Charter #24784 · NY
<100M
2508 CUs in <100M nationally
179 in NY
NEW COVENANT DOMINION has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.87% above tier average
- + Net Interest Margin 2.50% above tier average
- + Strong member growth: 8.7% YoY
- + Fee Income Per Member: Top 1.8% in tier
- + Member Growth Rate: Top 3.9% in tier
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 9.62% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
686
+8.7% YoY+6.5% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$4.8M
-5.2% YoY+5.8% QoQ
|
$-25.4M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$2.5M
-6.2% YoY-5.9% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$3.2M
-4.2% YoY+9.1% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
2.0%
-77.6% YoY-41.5% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 6.2% in tier |
| NIM |
6.5%
-2.5% YoY-4.4% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
81.0%
+80.4% YoY+25.8% QoQ
|
-9.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
11.1%
+388.7% YoY+1.9% QoQ
|
+9.6 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.1% in tier |
| Loan To Share |
79.0%
-2.1% YoY-13.7% QoQ
|
+20.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$8,399
-12.7% YoY-4.3% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration |
28.6%
+123.1% YoY+39.1% QoQ
|
+4.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
45
Fee Income Per Member
profitability
Value:
$287.20
Peer Median: $60.42
#45 of 2508
Top 1.8% in <100M tier
54
Net Interest Margin (NIM)
profitability
Value:
6.51%
Peer Median: 3.83%
#54 of 2508
Top 2.1% in <100M tier
100
Member Growth Rate
growth
Value:
8.72%
Peer Median: -1.37%
#100 of 2508
Top 3.9% in <100M tier
155
Return on Assets (ROA)
profitability
Value:
2.02%
Peer Median: 0.61%
#155 of 2508
Top 6.1% in <100M tier
158
Net Worth Ratio
risk
Value:
29.36%
Peer Median: 14.28%
#158 of 2508
Top 6.3% in <100M tier
485
Loan-to-Share Ratio
balance_sheet
Value:
79.04%
Peer Median: 58.72%
#485 of 2508
Top 19.3% in <100M tier
Top Weaknesses (12 metrics)
2457
Total Delinquency Rate (60+ days)
risk
Value:
11.12%
Peer Median: 0.65%
#2457 of 2508
Bottom 2.1% in <100M tier
2441
Net Charge-Off Rate
risk
Value:
4.20%
Peer Median: 0.07%
#2441 of 2508
Bottom 2.7% in <100M tier
2395
AMR Growth Rate
growth
Value:
-12.71%
Peer Median: 1.27%
#2395 of 2508
Bottom 4.5% in <100M tier
2172
Asset Growth Rate
growth
Value:
-5.19%
Peer Median: 1.30%
#2172 of 2508
Bottom 13.4% in <100M tier
2100
Total Deposits
balance_sheet
Value:
$3.22M
Peer Median: $18.77M
#2100 of 2508
Bottom 16.3% in <100M tier
2058
Total Assets
balance_sheet
Value:
$4.77M
Peer Median: $21.86M
#2058 of 2508
Bottom 18.0% in <100M tier
2028
Total Members
engagement
Value:
686
Peer Median: 1,918
#2028 of 2508
Bottom 19.2% in <100M tier
2024
Share Certificate Concentration (%)
balance_sheet
Value:
28.60%
Peer Median: 12.45%
#2024 of 2508
Bottom 19.3% in <100M tier
1991
Average Member Relationship (AMR)
engagement
Value:
$8,399
Peer Median: $13,926
#1991 of 2508
Bottom 20.7% in <100M tier
1976
Members Per Employee (MPE)
engagement
Value:
228.667
Peer Median: 333.750
#1976 of 2508
Bottom 21.3% in <100M tier