BlastPoint's Credit Union Scorecard
NEW LIFE
Charter #24853 · PA
2556 CUs in <100M nationally
190 in PA
NEW LIFE has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 19.50% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - Average Member Relationship (AMR): Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.2% in tier
- - Total Loans: Bottom 2.5% in tier
- - Total Assets: Bottom 4.4% in tier
- - Total Deposits: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
539
-1.3% YoY-2.7% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$777,732
+2.0% YoY+2.0% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.3% in tier |
| Loans |
$69,606
+23.4% YoY-5.3% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.5% in tier |
| Deposits |
$578,514
-0.8% YoY+1.3% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.5% in tier |
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| ROA |
2.3%
-2.5% YoY+68.5% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 4.1% in tier |
| NIM |
3.3%
-16.7% YoY-26.7% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
63.0%
-4.8% YoY-10.0% QoQ
|
-19.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
21.1%
+5.6% QoQ
|
+19.5 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 1.1% in tier |
| Loan To Share |
12.0%
+24.4% YoY-6.5% QoQ
|
-48.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.1% in tier |
| AMR |
$1,202
+2.7% YoY+3.3% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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 (8 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
2
Net Charge-Off Rate
risk
Value:
-5.13%
Peer Median: -
#2 of 2556
Top 0.0% in <100M tier
66
Loan Growth Rate
growth
Value:
23.45%
Peer Median: -
#66 of 2556
Top 2.5% in <100M tier
104
Return on Assets (ROA)
profitability
Value:
2.29%
Peer Median: -
#104 of 2556
Top 4.0% in <100M tier
267
Net Worth Ratio
risk
Value:
25.61%
Peer Median: -
#267 of 2556
Top 10.4% in <100M tier
389
Efficiency Ratio
profitability
Value:
63.05%
Peer Median: -
#389 of 2556
Top 15.2% in <100M tier
Top Weaknesses (8 metrics)
2528
Total Delinquency Rate (60+ days)
risk
Value:
21.05%
Peer Median: -
#2528 of 2556
Bottom 1.1% in <100M tier
2520
Average Member Relationship (AMR)
engagement
Value:
$1,202
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2519
Loan-to-Member Ratio (LMR)
engagement
Value:
$129.14
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2501
Loan-to-Share Ratio
balance_sheet
Value:
12.03%
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2493
Total Loans
balance_sheet
Value:
$69,606
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2445
Total Assets
balance_sheet
Value:
$777,732
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier
2441
Total Deposits
balance_sheet
Value:
$578,514
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2181
Total Members
engagement
Value:
539
Peer Median: -
#2181 of 2556
Bottom 14.7% in <100M tier