BlastPoint's Credit Union Scorecard
NEW LIFE
Charter #24853 · PA
<100M
2508 CUs in <100M nationally
186 in PA
NEW LIFE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 39.75% above tier (higher cost structure)
- - Delinquency rate 26.14% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
- - Total Loans: Bottom 2.8% in tier
- - Loan-to-Share Ratio: Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
551
+1.1% YoY+2.2% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$798,235
-3.7% YoY+2.6% QoQ
|
$-29.4M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.4% in tier |
| Loans |
$102,029
+34.5% YoY+46.6% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.8% in tier |
| Deposits |
$601,228
-6.2% YoY+3.9% QoQ
|
$-25.2M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.5% in tier |
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| ROA |
-1.1%
-146.3% YoY-148.3% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.7% in tier |
| NIM |
3.5%
-19.0% YoY+5.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
130.4%
+191.2% YoY+106.8% QoQ
|
+39.8% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
27.6%
+31.3% QoQ
|
+26.1 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
17.0%
+43.3% YoY+41.0% QoQ
|
-41.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.8% in tier |
| AMR |
$1,276
-3.0% YoY+6.1% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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 (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
3
Net Charge-Off Rate
risk
Value:
-6.74%
Peer Median: 0.07%
#3 of 2508
Top 0.1% in <100M tier
39
Loan Growth Rate
growth
Value:
34.45%
Peer Median: -2.36%
#39 of 2508
Top 1.5% in <100M tier
280
Net Worth Ratio
risk
Value:
24.67%
Peer Median: 14.28%
#280 of 2508
Top 11.1% in <100M tier
569
Member Growth Rate
growth
Value:
1.10%
Peer Median: -1.37%
#569 of 2508
Top 22.6% in <100M tier
Top Weaknesses (14 metrics)
2491
Total Delinquency Rate (60+ days)
risk
Value:
27.64%
Peer Median: 0.65%
#2491 of 2508
Bottom 0.7% in <100M tier
2470
Average Member Relationship (AMR)
engagement
Value:
$1,276
Peer Median: $13,926
#2470 of 2508
Bottom 1.6% in <100M tier
2467
Loan-to-Member Ratio (LMR)
engagement
Value:
$185.17
Peer Median: $4,923
#2467 of 2508
Bottom 1.7% in <100M tier
2439
Total Loans
balance_sheet
Value:
$102,029
Peer Median: $9.48M
#2439 of 2508
Bottom 2.8% in <100M tier
2411
Loan-to-Share Ratio
balance_sheet
Value:
16.97%
Peer Median: 58.72%
#2411 of 2508
Bottom 3.9% in <100M tier
2398
Total Assets
balance_sheet
Value:
$798,235
Peer Median: $21.86M
#2398 of 2508
Bottom 4.4% in <100M tier
2396
Total Deposits
balance_sheet
Value:
$601,228
Peer Median: $18.77M
#2396 of 2508
Bottom 4.5% in <100M tier
2392
Efficiency Ratio
profitability
Value:
130.38%
Peer Median: 81.45%
#2392 of 2508
Bottom 4.7% in <100M tier
2314
Return on Assets (ROA)
profitability
Value:
-1.11%
Peer Median: 0.61%
#2314 of 2508
Bottom 7.8% in <100M tier
2229
Fee Income Per Member
profitability
Value:
$2.34
Peer Median: $60.42
#2229 of 2508
Bottom 11.2% in <100M tier