NEW LIFE
Charter #24853 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
NEW LIFE has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Net Interest Margin 0.56% 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 0.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 18.42% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.4% in tier
- - Total Loans: Bottom 2.6% in tier
- - Total Assets: Bottom 4.7% in tier
- - Total Deposits: Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
554
+1.1% YoY+2.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 15.2% in tier |
| Assets |
$762,654
+1.8% YoY-7.1% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.6% in tier |
| Loans |
$73,520
+43.5% YoY+3.9% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.5% in tier |
| Deposits |
$571,312
-0.4% YoY-9.2% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.7% in tier |
| ROA |
1.4%
-49.1% YoY-32.9% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 24.2% in tier |
| NIM |
4.5%
-15.3% YoY+4.4% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
73rd in tier |
| Efficiency Ratio |
70.0%
+39.2% YoY+31.6% QoQ
|
-11.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
31st in tier |
| Delinquency Rate | 19.9% | +18.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 1.2% in tier |
| Loan To Share |
12.9%
+44.0% YoY+14.5% QoQ
|
-48.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.2% in tier |
| AMR |
$1,164
+2.1% YoY-9.9% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
2
Net Charge-Off Rate
risk
Value:
-6.51%
Peer Avg: 0.57%
#2 of 2596
Top 0.0% in <100M tier
14
Loan Growth Rate
growth
Value:
43.48%
Peer Avg: 59.01%
#14 of 2596
Top 0.5% in <100M tier
292
Net Worth Ratio
risk
Value:
24.86%
Peer Avg: 16.43%
#292 of 2596
Top 11.2% in <100M tier
597
Member Growth Rate
growth
Value:
1.09%
Peer Avg: 14.92%
#597 of 2596
Top 23.0% in <100M tier
627
Return on Assets (ROA)
profitability
Value:
1.36%
Peer Avg: 0.68%
#627 of 2596
Top 24.1% in <100M tier
Top Weaknesses (10 metrics)
2566
Total Delinquency Rate (60+ days)
risk
Value:
19.93%
Peer Avg: 1.51%
#2566 of 2596
Bottom 1.2% in <100M tier
2558
Loan-to-Member Ratio (LMR)
engagement
Value:
$132.71
Peer Avg: $5,488
#2558 of 2596
Bottom 1.5% in <100M tier
2557
Average Member Relationship (AMR)
engagement
Value:
$1,164
Peer Avg: $14,627
#2557 of 2596
Bottom 1.5% in <100M tier
2534
Loan-to-Share Ratio
balance_sheet
Value:
12.87%
Peer Avg: 61.23%
#2534 of 2596
Bottom 2.4% in <100M tier
2530
Total Loans
balance_sheet
Value:
$73,520
Peer Avg: $15.77M
#2530 of 2596
Bottom 2.6% in <100M tier
2476
Total Assets
balance_sheet
Value:
$762,654
Peer Avg: $29.86M
#2476 of 2596
Bottom 4.7% in <100M tier
2474
Total Deposits
balance_sheet
Value:
$571,312
Peer Avg: $25.45M
#2474 of 2596
Bottom 4.7% in <100M tier
2415
Fee Income Per Member
profitability
Value:
$0.75
Peer Avg: $182.96
#2415 of 2596
Bottom 7.0% in <100M tier
2242
Members Per Employee (MPE)
engagement
Value:
184.667
Peer Avg: 365.701
#2242 of 2596
Bottom 13.7% in <100M tier
2202
Total Members
engagement
Value:
554
Peer Avg: 2,626
#2202 of 2596
Bottom 15.2% in <100M tier