BlastPoint's Credit Union Scorecard
NEW LIFE
Charter #24853 · PA
NEW LIFE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 37.40% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Average Member Relationship (AMR): Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- - Total Loans: Bottom 2.7% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +2.6% year over year ($646K in shares and deposits).
- Membership: 528 members, -2.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.99%.
- Efficiency ratio 126.17% vs a 88.77% peer average.
- Loan-to-share ratio 14.04% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
528
-2.6% YoY-4.2% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 14.4% in tier |
| Assets |
$843,179
+2.7% YoY+5.6% QoQ
|
$-29.4M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.2% in tier |
| Loans |
$90,693
+28.2% YoY-11.1% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.6% in tier |
| Deposits |
$646,027
+2.6% YoY+7.5% QoQ
|
$-25.2M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.6% in tier |
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| ROA |
1.0%
-51.1% YoY-189.6% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.5%
-18.4% YoY+0.7% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
126.2%
+137.0% YoY-3.2% QoQ
|
+37.4% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
14.0%
+24.9% YoY-17.3% QoQ
|
-44.9% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.8% in tier |
| AMR |
$1,395
+8.0% YoY+9.3% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.4% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)