BlastPoint's Credit Union Scorecard
NEW ALLIANCE
Charter #373 · PA
NEW ALLIANCE has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 51.0% in tier
- + ROA 0.30% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.9% in tier
- - Stagnation Risk: Bottom 5.7% in tier
- - Credit Risk Growth: Bottom 6.5% in tier
- - Membership Headwinds: Bottom 12.1% in tier
- - Delinquency rate 1.26% above tier average
- - Member decline: -3.4% YoY
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 4.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Total Loans: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,230
-3.4% YoY-0.8% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 12.3% in tier |
| Assets |
$101.6M
+3.6% YoY-1.2% QoQ
|
$-129.7M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.6% in tier |
| Loans |
$59.1M
+4.6% YoY-0.3% QoQ
|
$-88.7M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.0% in tier |
| Deposits |
$91.8M
+3.2% YoY-1.4% QoQ
|
$-108.5M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.3% in tier |
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| ROA |
1.1%
+276.3% YoY+3.6% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
3.5%
+21.4% YoY+2.1% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
74.4%
-18.0% YoY-2.6% QoQ
|
-2.9% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
2.1%
+89.1% YoY+18.4% QoQ
|
+1.3 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.3% in tier |
| Loan To Share |
64.3%
+1.3% YoY+1.2% QoQ
|
-8.4% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$20,866
+7.4% YoY-0.1% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
17.5%
-7.2% YoY+17.1% QoQ
|
-6.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.5%
-14.7% YoY-5.2% QoQ
|
-0.5% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)