BlastPoint's Credit Union Scorecard
NEW COVENANT DOMINION
Charter #24784 · NY
2556 CUs in <100M nationally
183 in NY
NEW COVENANT DOMINION has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.83% above tier average
- + Net Interest Margin 2.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Net Worth Ratio: Top 5.6% in tier
- + Member Growth Rate: Top 6.7% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 9.36% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Net Charge-Off Rate: Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
644
+4.5% YoY-2.4% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$4.5M
-1.3% YoY+2.9% QoQ
|
$-25.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.7M
-1.8% YoY+0.9% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$2.9M
+1.6% YoY+7.4% QoQ
|
$-22.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
3.5%
-65.7% YoY-54.9% QoQ
|
+2.8% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 1.0% in tier |
| NIM |
6.8%
+0.7% YoY+0.3% QoQ
|
+2.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
64.4%
+71.0% YoY+18.6% QoQ
|
-18.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
10.9%
+143.8% YoY-34.2% QoQ
|
+9.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 2.2% in tier |
| Loan To Share |
91.6%
-3.4% YoY-6.1% QoQ
|
+31.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$8,776
-4.4% YoY+6.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
20.6%
+111.0% YoY+4.2% QoQ
|
-3.9% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
15
Fee Income Per Member
profitability
Value:
$552.62
Peer Median: -
#15 of 2556
Top 0.5% in <100M tier
25
Return on Assets (ROA)
profitability
Value:
3.45%
Peer Median: -
#25 of 2556
Top 0.9% in <100M tier
42
Net Interest Margin (NIM)
profitability
Value:
6.81%
Peer Median: -
#42 of 2556
Top 1.6% in <100M tier
143
Net Worth Ratio
risk
Value:
30.80%
Peer Median: -
#143 of 2556
Top 5.6% in <100M tier
171
Member Growth Rate
growth
Value:
4.55%
Peer Median: -
#171 of 2556
Top 6.7% in <100M tier
225
Loan-to-Share Ratio
balance_sheet
Value:
91.63%
Peer Median: -
#225 of 2556
Top 8.8% in <100M tier
439
Efficiency Ratio
profitability
Value:
64.42%
Peer Median: -
#439 of 2556
Top 17.1% in <100M tier
Top Weaknesses (9 metrics)
2502
Total Delinquency Rate (60+ days)
risk
Value:
10.91%
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2478
Net Charge-Off Rate
risk
Value:
3.19%
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2167
Total Deposits
balance_sheet
Value:
$2.95M
Peer Median: -
#2167 of 2556
Bottom 15.3% in <100M tier
2112
Total Assets
balance_sheet
Value:
$4.50M
Peer Median: -
#2112 of 2556
Bottom 17.4% in <100M tier
2106
Total Members
engagement
Value:
644
Peer Median: -
#2106 of 2556
Bottom 17.6% in <100M tier
2103
AMR Growth Rate
growth
Value:
-4.44%
Peer Median: -
#2103 of 2556
Bottom 17.8% in <100M tier
2090
Members Per Employee (MPE)
engagement
Value:
214.667
Peer Median: -
#2090 of 2556
Bottom 18.3% in <100M tier
1990
Total Loans
balance_sheet
Value:
$2.70M
Peer Median: -
#1990 of 2556
Bottom 22.2% in <100M tier
1987
Average Member Relationship (AMR)
engagement
Value:
$8,776
Peer Median: -
#1987 of 2556
Bottom 22.3% in <100M tier